Original filing (PDF)20251003111209NAL0000772707001

OPPORTUNITY BANK OF MONTANA

Name: OPPORTUNITY BANK OF MONTANA — OPPORTUNITY BANK OF MONTANA EMPLOYEE STOCK OWNERSHIP PLAN, Form 5500 (2024)
Creator: OPPORTUNITY BANK OF MONTANA

Form 5500

FILING_RECEIVED

OPPORTUNITY BANK OF MONTANA EMPLOYEE STOCK OWNERSHIP PLAN

Defined-contribution retirement plan

Signals · 3

91% in single holding91% employer stockNo recordkeeper disclosed

Active participants

300

Accounts w/ balance

513

Plan assets (EOY)

$7.1M

Net assets (EOY)

$2.9M

How this plan invests

This plan

2 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Top-tier plan health

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

91% of assets in employer securities (concentration risk).

Helping the score

Below-peer total plan cost (95th percentile).
High account-holder ratio — balance-holders per active participant in the top 15% of peers (89th percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for OPPORTUNITY BANK OF MONTANA.

Plan sponsor

Name

OPPORTUNITY BANK OF MONTANA

EIN

81-0105500

Address

P.O. BOX 4999 · HELENA, MT · 59604

Phone

(406) 442-3080

Industry

Finance & Insurancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

003

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-03

Pension benefit codes

2I · Stock bonus

2P · Leveraged ESOP

3H · Sponsor in controlled / affiliated group

3I · Requires investment in employer securities

Audit & trust (Schedule H)

Auditor

JCCS

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

No Schedule C providers reported

Investments

2 direct securities· $7.1M(100% of reported assets)

Other securities

$6.5M

1 holding

Cash / Money Market

$611K

1 holding

PI						% of plan
	Opportunity Bank of Montana 423,285 shares of Company stock	Other securities	—	$6.4M	$6.5M	91.4%
	Cash USFS STIF for Qualified Plans	Cash / Money Market	—	$611K	$611K	8.6%