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

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	8-Qtr Trend
Earnings
Return on Assets	0.86%	0.60%	1.01%	1.45%	Beats 38%	390 / 629	n/a
Return on Equity	9.62%	5.38%	9.30%	13.28%	Beats 51%	306 / 629	n/a
Net Interest Margin	3.55%	3.03%	3.54%	4.05%	Beats 52%	305 / 629	n/a
Efficiency Ratio	70.68%	58.35%	67.79%	79.08%	Beats 42%	363 / 629	n/a
Asset Quality
Nonperforming Loans / Loans	1.27%	0.09%	0.46%	1.20%	Beats 24%	441 / 581	n/a
Net Charge-Offs / Loans	0.00%	n/a	0.01%	0.06%	Beats 57%	249 / 581	n/a
Capital
Tier 1 Capital Ratio	14.52%	11.24%	13.84%	18.77%	Beats 55%	280 / 629	n/a
Total Risk-Based Capital Ratio	15.77%	11.58%	14.43%	19.66%	Beats 59%	257 / 629	n/a
Equity / Assets	8.95%	9.09%	10.65%	13.80%	Beats 22%	489 / 629	n/a
Liquidity & Funding
Loans / Deposits	53.72%	67.24%	80.90%	93.48%	13th pctl	514 / 594	n/a
Loans / Assets	48.59%	53.31%	67.71%	78.15%	20th pctl	504 / 629	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution