Belt Valley Bank
Belt, MT · Cert 15362 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, Fed member · FED · 1 branch
Q2 2026
$89.9MAssets
$74.0MLoans
$74.0MDeposits
$13.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 97% of banks under $1B in assets operating in a single state (rank 24 of 746).
- Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets operating in a single state (rank 722 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.00%
Rank 42 of 746
Net Interest Margin
5.11%
Rank 24 of 746
Efficiency Ratio
48.41%
Rank 86 of 746
Equity / Assets
14.81%
Rank 106 of 746
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 89% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.00% | 0.72% | 1.06% | 1.45% | Beats 94% | 42 / 746 | | |
| Return on Equity | 13.50% | 6.74% | 10.51% | 13.63% | Beats 73% | 199 / 746 | | |
| Net Interest Margin | 5.11% | 3.17% | 3.68% | 4.16% | Beats 97% | 24 / 746 | | |
| Efficiency Ratio | 48.41% | 55.74% | 64.58% | 75.47% | Beats 89% | 86 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.85% | 0.09% | 0.42% | 1.07% | Beats 3% | 722 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 64% | 266 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.83% | 11.55% | 13.75% | 17.60% | Beats 60% | 301 / 746 | | |
| Total Risk-Based Capital Ratio | 14.83% | 11.71% | 14.33% | 18.43% | Beats 54% | 342 / 746 | | |
| Equity / Assets | 14.81% | 8.90% | 10.51% | 13.06% | Beats 86% | 106 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.96% | 61.31% | 78.27% | 90.78% | 90th pctl | 78 / 746 | | |
| Loans / Assets | 82.25% | 53.60% | 66.97% | 76.08% | 90th pctl | 75 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |