Valley Bank of Kalispell
Kalispell, MT · Cert 1980 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Valley Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$218.1MAssets
$150.4MLoans
$198.6MDeposits
$18.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets operating in a single state (rank 724 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.70%
Rank 108 of 746
Net Interest Margin
4.26%
Rank 160 of 746
Efficiency Ratio
51.29%
Rank 125 of 746
Equity / Assets
8.52%
Rank 599 of 746
Non-interest income vs. expense
Unfavorable gap of $4.3M · efficiency ratio beats 83% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.72% | 1.06% | 1.45% | Beats 86% | 108 / 746 | |
| Return on Equity | 19.97% | 6.74% | 10.51% | 13.63% | Beats 96% | 33 / 746 | |
| Net Interest Margin | 4.26% | 3.17% | 3.68% | 4.16% | Beats 79% | 160 / 746 | |
| Efficiency Ratio | 51.29% | 55.74% | 64.58% | 75.47% | Beats 83% | 125 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.09% | 0.42% | 1.07% | Beats 56% | 325 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.49% | 11.55% | 13.75% | 17.60% | Beats 3% | 724 / 746 | |
| Total Risk-Based Capital Ratio | 9.49% | 11.71% | 14.33% | 18.43% | Beats 3% | 724 / 746 | |
| Equity / Assets | 8.52% | 8.90% | 10.51% | 13.06% | Beats 20% | 599 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 75.75% | 61.31% | 78.27% | 90.78% | 45th pctl | 408 / 746 | |
| Loans / Assets | 68.96% | 53.60% | 66.97% | 76.08% | 55th pctl | 337 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |