oppbank.com

What oppbank.com does

Opportunity Bank of Montana is a privately held, state-chartered community bank and subsidiary of Eagle Bancorp Montana, Inc., founded in 1922 and headquartered in Montana. It operates 30 full-service branches across the state, ranging from urban centers (Billings, Bozeman, Missoula, Helena, Great Falls) to rural communities (Ashland, Froid, Hinsdale, Winifred, Wolf Point). The bank serves three primary customer segments: individual consumers, small-to-medium businesses, and agricultural customers including farmers and ranchers. Product offerings include personal and business checking and savings accounts (including money market, CDs, HSA, and retirement), personal loans, mortgages and home equity lines, commercial and agricultural loans, and digital banking through iOS and Android mobile apps and online banking portals. The bank administers the state-sponsored HomeStretch Down Payment Assistance Program across 22 Montana counties in partnership with NeighborWorks Montana under Montana House Bill 819.

The bank's technology infrastructure is built on third-party vendor platforms rather than proprietary systems: Fiserv powers the digital banking platform and online account opening; Maxwell handles mortgage origination processing; Credit Sense provides credit score monitoring and simulation; Zelle enables peer-to-peer payments; and the MoneyPass network provides surcharge-free ATM access. Differentiated technology offerings include mobile check deposit, card controls with freeze/unfreeze and travel plan management, real-time account alerts, and credit score simulation. Digital channels support rather than replace the in-person relationship banking model that anchors the bank's go-to-market motion.

Revenue is generated primarily through net interest income on loan portfolios (personal, mortgage, commercial, agricultural) and securities, supplemented by deposit service charges (maintenance fees, overdraft fees), digital banking transaction fees, and mortgage origination fees. The bank does not publicly disclose revenue or asset figures. It is regulated by the Montana Division of Banking and the FDIC, holds NMLS 412554 for multistate mortgage lending, and has maintained BauerFinancial's 5-Star Superior Rating for 126 consecutive quarters (31.5+ years) as well as Forbes Best-In-State Banks recognition for 2026. Leadership comprises CEO Laura Clark and President Darryl Rensmon (effective June 1, 2026) as part of a planned succession, supported by a C-suite including Chief Retail Officer Linda Chilton and CISO Mandy Fisher.

Name

oppbank.com

Legal name

Opportunity Bank of Montana

Website

https://oppbank.com

Company type

Private

Founded year

1922

Operating status

Operating

Short description

Opportunity Bank of Montana is a privately held, state-chartered community bank subsidiary of Eagle Bancorp Montana, Inc., operating 30 full-service branches across Montana since 1922 and serving individual consumers, small-to-medium businesses, and agricultural customers with deposit, lending, mortgage, and digital banking products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Credit Intermediation and Related Activities (522)

SIC

State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Community banking
• Personal banking services
• Agricultural lending
• Mortgage loans
• Small business banking

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Primary revenue from lending activities including personal loans, mortgages, business loans, and agricultural loans. Earns interest on loan portfolios and securities.
2. Deposit Service Charges: Fee income from deposit account services including maintenance fees, overdraft fees, and other account-related charges.
3. Digital Banking Services: Revenue from digital banking services including online bill pay, Zelle transfers, and other electronic banking services.
4. Mortgage Banking: Revenue from mortgage originations including home purchase loans, refinancing, and home equity products through the bank's mortgage lending team.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Opportunity Bank of Montana is a state-chartered community bank operating 30 full-service branches across Montana. It provides personal checking and savings accounts, personal loans, mortgage origination, business checking, savings and commercial lending, and specialized agricultural loans to farmers, ranchers, and small businesses. Banking is delivered through in-branch relationship banking supplemented by digital channels including iOS/Android mobile apps, online banking, debit card controls, Zelle peer-to-peer payments, and Credit Sense credit monitoring.

Product overview

Opportunity Bank of Montana is a community bank offering a unified suite of banking products across 30 Montana branches. The core offering consists of Personal Banking (checking, savings, loans, mortgage) and Business Banking (checking, savings, loans, agriculture loans) products, both supported by Digital Banking platforms. Additional services include mortgage lending through loan officers using the Maxwell platform, credit monitoring via Credit Sense, Zelle peer-to-peer payments, and the state-sponsored HomeStretch Down Payment Assistance Program. The bank's digital ecosystem includes mobile banking apps, online bill pay, eStatements, card controls, and account alerts, all integrated with the MoneyPass ATM network.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Four personal checking account options providing anytime account access through digital banking for individuals and families.
• Personal Savings Personal Savings, Certificate of Deposit (CD), Money Market, Health Savings Account (HSA), and Retirement Account options with competitive interest rates.
• Personal Loans Loan products for personal banking customers including various credit and lending solutions.
• Mortgage Loans Home loan products including purchase mortgages, refinancing, and home equity lines of credit offered through loan officers across Montana branches using the Maxwell mortgage platform.
• Business Checking Business checking account options with digital banking access for business operations and cash management.
• Business Savings Business savings products including money market accounts and certificates of deposit for business deposit needs.
• Business Loans Commercial lending solutions including term loans and lines of credit for business growth and operations.
• Agriculture Loans Specialized loan products for agricultural operations including farm and ranch financing.
• Personal Digital Banking Online and mobile banking platform providing real-time account balances, transaction history, fund transfers, bill pay, eStatements, and customer account alerts through web and iOS/Android apps.
• Business Digital Banking Business digital banking platform with digital tools for business account management.
• HomeStretch Down Payment Assistance Program State-sponsored down payment assistance program in partnership with NeighborWorks Great Falls and NeighborWorks Montana, helping eligible homebuyers finance up to 30 percent of home purchase price across 22 Montana counties under Montana House Bill 819.

Quantifiable outcome

• 5-Star BauerFinancial Superior Rating maintained for 126 consecutive quarters (31.5+ years)
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• MoneyPasscoreTechnology or IntegrationATM network partnership providing customers access to thousands of surcharge-free ATMs nationwide through the MoneyPass network, enhancing customer convenience and reducing banking fees
• NeighborWorks Great FallscoreStrategic or Co-development PartnerPartnership with NeighborWorks Great Falls for mortgage lending programs including HomeStretch Down Payment Assistance Program, supporting homebuyers across Montana with down payment assistance and homeownership education
• NeighborWorks MontanacoreStrategic or Co-development PartnerStatewide partnership administering the HomeStretch Down Payment Assistance Program created through Montana House Bill 819, helping eligible homebuyers finance up to 30% of home purchase price in 22 Montana counties
• Montana State (House Bill 819)coreStrategic or Co-development PartnerPublic-private partnership through Montana House Bill 819 establishing the HomeStretch Down Payment Assistance Program with matched funding from the State of Montana and participating lenders
• Federal Trade Commission (FTC)minorOthersEducational partnership providing fraud prevention resources and reporting channels including FTC Identity Theft Help, FTC Consumer Response Center, and Internet Crime Complaint Center (FBI)
• Special Olympics MontanacoreOthersAnnual $10,000 sponsorship of Special Olympics Montana Law Enforcement Torch Run (LETR), supporting Polar Plunge events statewide and athlete programs
• Forbes and StatistacoreOthersForbes Best-In-State Banks 2026 ranking developed by Forbes and market research firm Statista, evaluating banks on trust, customer service, digital services, and overall satisfaction
• BauerFinancialcoreOthersIndependent financial rating firm evaluating banks on capital base, loan management, customer needs, regulatory compliance, and reliability since 1983; awarded 5-Star Superior Rating for 126 consecutive quarters

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Glacier Bancorp: Kalispell, Montana-headquartered community bank holding company operating multiple community bank charters across Montana, Idaho, and the Northwest. Most direct peer — same state, same community banking model, overlapping branch geographies including Montana metros.
• First Interstate BancSystem: Billings, Montana-headquartered regional bank holding company operating across Montana, Wyoming, and the Western U.S. Comparable in community banking focus, agricultural lending exposure, and statewide Montana branch presence including overlap in Billings, Helena, and Missoula.
• Stockman Financial Corp / Stockman Bank: Miles City, Montana-based private community bank holding company operating exclusively in Montana. Direct competitor in rural/agricultural lending, with similar community-focused model and overlapping footprint in eastern Montana markets.

Broad incumbents

• U.S. Bancorp: Minneapolis-based super-regional bank with meaningful branch presence in Montana's larger metros (Billings, Missoula, Great Falls, Bozeman). Competes for the same consumer and SME deposits, but as part of a much broader national platform rather than a Montana community bank.
• Wells Fargo: National bank with Montana branches concentrated in urban centers. Competes for personal and small business banking relationships across the same geographies as Opportunity Bank, but as part of a national full-service platform rather than a community-focused model.
• Heartland Financial USA / HTLF: Dubuque, Iowa-based community bank holding company operating multiple charters across the Midwest, Southwest, and Western U.S. Comparable as a multi-state community bank acquirer/operator, though without specific Montana presence — useful as a structural scale comparable.
• Citizens Financial Group: Providence, Rhode Island-based regional bank with consumer and commercial banking operations across the Northeast, Midwest, and Western U.S. Comparable as a community-and-middle-market bank with similar deposit gathering and business banking product mix, though in different geographies.

Regional players

• First Foundation Bank: Irvine, California-based community bank with similar relationship-driven, multi-segment personal/business banking model. Comparable in business model and product breadth, but operates in a different (California, Nevada, Texas, Hawaii) geography rather than directly in Montana.

Emerging players

• Live Oak Bank: Wilmington, North Carolina-based digital community bank with strong small business and agricultural lending originations nationwide. Comparable as a digitally-enabled community lender focused on niche segments (SBA, ag, veterinary), but operates primarily digitally without Montana branches.

Others

• D.A. Davidson Companies: Great Falls, Montana-headquartered employee-owned financial services firm offering wealth management, investment banking, and capital markets. Comparable as another large Montana-headquartered financial services firm with overlapping client base and community banking ecosystem, but not a direct deposit-taking competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@oppbankofmt
• Facebookfacebook.com/OpportunityBankofMontana
• LinkedInlinkedin.com/company/oppbankofmt
• Instagraminstagram.com/oppbankofmt

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about oppbank.com