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Three Rivers Bank of Montana

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Three Rivers Bank of Montana Rates & Review April 2026

Item: Three Rivers Bank of Montana
Rating: 8379
Author: xiDx

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 24, 2026

You can compare Three Rivers Bank of Montana rates to other rates in our database, including 12-month CD rates currently at 3.95%, 6-month CD rates at 2.73% and 3-month CD rates at 2.32%. Savings rates are at 1.00% and money market rates are at 0.65%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates can be compared to Three Rivers Bank of Montana rates. MonitorBankRates evaluates the financial stability of Three Rivers Bank of Montana with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.11%. Rates were last updated on 04/24/2026.

Three Rivers Bank of Montana money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Three Rivers Bank of Montana? Share your experience about Three Rivers Bank of Montana by leaving a review below, or read customer reviews before you decide to use Three Rivers Bank of Montana.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.11%

Excellent Lower than avg

Three Rivers Bank of Montana

233 E Idaho St
Kalispell, MT 59901

https://www.threeriversbankmontana.com/

Current Rate Availability

We do not have Three Rivers Bank of Montana rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Three Rivers Bank of Montana is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Three Rivers Bank of Montana rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Three Rivers Bank of Montana's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Three Rivers Bank of Montana

Bank Holding Company KING KALISPELL LLC

Address 233 E Idaho St, Kalispell, MT 59901 · Flathead

Website https://www.threeriversbankmontana.com/

FDIC Certificate # 21557

Established 05/01/1974

FDIC Insurance Date 05/01/1974

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.11%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1447%

Return on Equity (ROE) 13.7600%

Non-Performing Loans (NPL) 0.33%

Total Assets $310,890,000

Total Deposits $276,747,000

Equity Capital $32,999,000

Net Income $3,142,000

Headquarters Kalispell

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

xiDx

★★★★★

December 17, 2025

SGTV

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Three Rivers Bank of Montana

Frequently Asked Questions About Three Rivers Bank of Montana

Is Three Rivers Bank of Montana a safe place to deposit money?

Yes, Three Rivers Bank of Montana is considered a safe financial institution. With a Texas Ratio of 4.106221792392%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Three Rivers Bank of Montana operate?

Three Rivers Bank of Montana currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Three Rivers Bank of Montana does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Three Rivers Bank of Montana provides members with tools to manage their accounts and build a solid financial history.

Does Three Rivers Bank of Montana offer online and mobile banking?

Most modern institutions like Three Rivers Bank of Montana provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.threeriversbankmontana.com/.