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
Unfavorable gap of $6.5M · efficiency ratio beats 42% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.60% | 1.01% | 1.45% | Beats 38% | 390 / 629 | |
| Return on Equity | 9.62% | 5.38% | 9.30% | 13.28% | Beats 51% | 306 / 629 | |
| Net Interest Margin | 3.55% | 3.03% | 3.54% | 4.05% | Beats 52% | 305 / 629 | |
| Efficiency Ratio | 70.68% | 58.35% | 67.79% | 79.08% | Beats 42% | 363 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.27% | 0.09% | 0.46% | 1.20% | Beats 24% | 441 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 57% | 249 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.52% | 11.24% | 13.84% | 18.77% | Beats 55% | 280 / 629 | |
| Total Risk-Based Capital Ratio | 15.77% | 11.58% | 14.43% | 19.66% | Beats 59% | 257 / 629 | |
| Equity / Assets | 8.95% | 9.09% | 10.65% | 13.80% | Beats 22% | 489 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 53.72% | 67.24% | 80.90% | 93.48% | 13th pctl | 514 / 594 | |
| Loans / Assets | 48.59% | 53.31% | 67.71% | 78.15% | 20th pctl | 504 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |