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Madison Valley Bank

Ennis, MT · Cert 19544 · Jackass Creek Land&Livestock

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

42

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Madison Valley Bank

Ennis, MT · Cert 19544 · Jackass Creek Land&Livestock

State charter, non-member · FDIC · 5 branches

Q2 2026

$263.7MAssets
$128.1MLoans
$238.6MDeposits
$23.6MEquity
Loan mix
92%RE $114.9M6%C&I $7.1M3%Consumer $3.2MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $163.5M31%Noninterest $75.1MQ3 2024Q2 2026

Market Position · Helena, MT · 2026 SOD (annual) · 1.9% share · #8 of 14 inst. · $0.1B of $2.9B

48.4% Madison
45.1% Jefferson
0.7% Gallatin

Executive Summary

  • Earnings: ROA of 0.84%, up 43 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 1.27% of loans (-10 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.24%, up 40 bps from a year ago.
  • Funding: loans stand at 53.72% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.84%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+38 bps YoY

Efficiency Ratio (YTD, annualized)

70.68%-1,418 bps YoY

Tier 1 Leverage Ratio

9.24%+40 bps YoY

NIM

4.30%Q2 ’244.40%Q2 ’254.62%Q2 ’26+5%+12%

Non-interest income vs. expense

2.46%Q2 ’242.91%Q2 ’252.70%Q2 ’26+34%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.70%0.57%0.42%0.50%0.55%0.73%0.84%+43 bps
Return on Equity9.04%8.59%6.94%5.09%6.08%6.55%8.57%9.75%+466 bps
Net Interest Margin3.01%3.04%3.31%3.17%3.19%3.25%3.54%3.55%+38 bps
Efficiency Ratio72.64%74.46%79.76%84.86%81.82%80.90%74.93%70.68%-1,418 bps
Non-Interest Burden2.07%2.16%2.58%2.65%2.57%2.59%2.59%2.43%-22 bps
Growth
Asset Growth (YoY)2.96%-1.65%-0.56%1.94%1.85%1.94%5.00%-1.05%-299 bps
Loan Growth (YoY)-0.50%-1.15%-0.60%-2.36%-4.75%-0.95%-2.31%-1.01%+135 bps
Deposit Growth (YoY)2.18%0.87%2.56%3.83%1.88%1.33%9.81%1.25%-258 bps
Asset Quality
Nonperforming Loans / Loans0.50%1.12%1.17%1.37%1.07%1.25%1.52%1.27%-10 bps
Net Charge-Offs / Loans0.11%0.10%-0.03%0.01%0.00%0.01%-0.03%-0.01%-2 bps
Allowance / Loans1.53%1.56%1.59%1.58%1.60%1.56%1.61%1.64%+6 bps
Allowance Coverage of NPLs3.1x1.4x1.4x1.1x1.5x1.3x1.1x1.3x+0.1x
Capital
Tier 1 Leverage Ratio8.91%8.74%9.08%8.85%8.82%8.74%9.26%9.24%+40 bps
Total Risk-Based Capital14.58%14.65%15.07%14.94%15.19%15.31%15.64%15.77%+83 bps
Equity / Assets8.31%8.28%8.24%8.13%8.32%8.86%8.18%8.95%+83 bps
Liquidity & Funding
Loans / Deposits54.60%55.95%55.16%54.94%51.04%54.69%49.07%53.72%-123 bps
Liquid Assets / Assets35.54%33.67%34.28%33.04%34.83%31.56%37.02%30.79%-226 bps
CRE / Total Capitaln/an/an/an/a262%267%256%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Madison Valley Bank

Ennis, MT · Cert 19544 · Peer group: banks under $1B in assets (n=581-629) · Jackass Creek Land&Livestock

State charter, non-member · FDIC · 5 branches

Q2 2026

$263.7MAssets
$128.1MLoans
$238.6MDeposits
$23.6MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 59% of banks under $1B in assets (rank 257 of 629).
  • Widest gap: equity / assets trails 78% of banks under $1B in assets (rank 489 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.86%

Rank 390 of 629

Net Interest Margin

3.55%

Rank 305 of 629

Efficiency Ratio

70.68%

Rank 363 of 629

Equity / Assets

8.95%

Rank 489 of 629

Non-interest income vs. expense

$0.7M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 42% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.86%0.60%1.01%1.45%Beats 38%390 / 629n/a
Return on Equity9.62%5.38%9.30%13.28%Beats 51%306 / 629n/a
Net Interest Margin3.55%3.03%3.54%4.05%Beats 52%305 / 629n/a
Efficiency Ratio70.68%58.35%67.79%79.08%Beats 42%363 / 629n/a
Asset Quality
Nonperforming Loans / Loans1.27%0.09%0.46%1.20%Beats 24%441 / 581n/a
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 57%249 / 581n/a
Capital
Tier 1 Capital Ratio14.52%11.24%13.84%18.77%Beats 55%280 / 629n/a
Total Risk-Based Capital Ratio15.77%11.58%14.43%19.66%Beats 59%257 / 629n/a
Equity / Assets8.95%9.09%10.65%13.80%Beats 22%489 / 629n/a
Liquidity & Funding
Loans / Deposits53.72%67.24%80.90%93.48%13th pctl514 / 594n/a
Loans / Assets48.59%53.31%67.71%78.15%20th pctl504 / 629n/a
Brokered Deposits / Depositsn/aNot reported for this institution