County banking markets / MT / 30031
GallatinMontana
FIPS 30031. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 54 counties in Montana’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,041) and moderately concentrated on deposits (1,929).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
15 branch offices and 13 institutions in 1994; 41 and 16 in 2025. Deposits booked in the county went from $514.0M to $5.02B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Glacier Bank cert 30788 | $1.87B | 37.23% | 9 | 21.95% |
| 2 | First Interstate Bank cert 1105 | $684.0M | 13.61% | 4 | 9.76% |
| 3 | Stockman Bank of Montana cert 16191 | $595.6M | 11.85% | 5 | 12.20% |
| 4 | Wells Fargo Bank, National Association cert 3511 | $453.5M | 9.03% | 2 | 4.88% |
| 5 | American Bank cert 20311 | $343.1M | 6.83% | 3 | 7.32% |
| 6 | U.S. Bank National Association cert 6548 | $308.6M | 6.14% | 2 | 4.88% |
| 7 | Opportunity Bank of Montana cert 30182 | $240.1M | 4.78% | 3 | 7.32% |
| 8 | Manhattan Bank cert 11823 | $231.8M | 4.61% | 4 | 9.76% |
| 9 | Bank of Bozeman cert 57952 | $86.3M | 1.72% | 1 | 2.44% |
| 10 | The Yellowstone Bank cert 1978 | $74.4M | 1.48% | 1 | 2.44% |
| 11 | JPMorgan Chase Bank, National Association cert 628 | $46.9M | 0.93% | 1 | 2.44% |
| 12 | Madison Valley Bank cert 19544 | $38.2M | 0.76% | 2 | 4.88% |
| 13 | First Montana Bank, Inc. cert 363 | $22.0M | 0.44% | 1 | 2.44% |
| 14 | First Western Trust Bank cert 57607 | $20.4M | 0.41% | 1 | 2.44% |
| 15 | Bank of The Rockies cert 2205 | $7.7M | 0.15% | 1 | 2.44% |
| 16 | Flanagan State Bank cert 11734 | $1.3M | 0.03% | 1 | 2.44% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Montana, or read the methodology for the two HHI constructions and what they cannot tell you.