Bank of Bridger

Bank of Bridger

Local community bank offering personalized lending

Overview

Bank of Bridger operates as a locally owned community bank with branches across south-central Montana and northern Wyoming. It offers a full range of banking services, including loans and deposits, and emphasizes local decision making at each branch. Customers can work with nearby lenders who specialize in Farming/Ranching, Commercial, Real Estate, and Consumer loans, and receive products with competitive rates. Unlike larger, distant banks, decisions are made by the branch staff who know their customers by name, aiming to provide personalized, quality service. The bank’s goal is to deliver practical, accessible banking with personalized attention while supporting the local communities it serves.

About Bank of Bridger

Simplify's Rating
Why Bank of Bridger is rated
C+
Rated B on Competitive Edge
Rated C on Growth Potential
Rated C on Differentiation

Industries

Company Size

11-50

Company Stage

N/A

Total Funding

N/A

Headquarters

North Carolina

Founded

1915

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Simplify's Take

What believers are saying

  • Q2 2026 assets reached $803 million, showing steady scale for a regional bank.
  • Net interest margin stayed strong at 3.18% in June 2026, supporting earnings.
  • June 2026 nonperforming loans were only 0.47%, reinforcing current credit quality.

What critics are saying

  • Lovell held $191.5 million of deposits in Q2 2026, creating concentration and run risk.
  • Texas ratio jumped from 2.64% to 4.91% in Q1 2026, signaling volatile asset quality.
  • A single Montana-Wyoming footprint makes drought, ranching stress, or local recession existentially dangerous.

What makes Bank of Bridger unique

  • Bridger, Montana roots and 12 rural branches give Bank of Bridger sticky local relationships.
  • OCC-supervised national charter and 2026 acquisition history show disciplined, relationship-driven expansion.
  • High CET1 capital at 19.23% supports lending without immediate funding pressure.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

Paid Vacation

Paid Sick Leave

Paid Holidays

Company News

Stillwater County News
May 28th, 2026
Special K Ranch receives $10,000 grant from Bank of Bridger.

Special K Ranch receives $10,000 grant from Bank of Bridger. * Kay Hotchkiss Special K Ranch * May 28, 2026 Special K Ranch has received a $10,000 grant through a partnership between Bank of Bridger and the Federal Home Loan Bank of Des Moines, with the funds delivered in a May 12 presentation at the ranch. Bank of Bridger's K.C. Hickok and board member Dan Patterson made the trip to Special K Ranch to present the oversized check in person. Both men also serve on the Special K Ranch [foundation] board. The funding came through the Member Impact Fund, a matching grant program through the Federal Home Loan Bank of Des Moines designed to amplify local community investment. "We cannot carry out our mission without these thoughtful businesses who care about our residents as much as we do," said a ranch spokesperson. Special K Ranch, based in Columbus, provides residential and vocational services for adults with developmental disabilities.

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