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Valley Bank of Kalispell

Kalispell, MT · Cert 1980 · Valley Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$218.1MAssets
$150.4MLoans
$198.6MDeposits
$18.6MEquity
Loan mix
79%RE $112.9M15%C&I $21.3M6%Consumer $9.0MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $141.6M29%Noninterest $56.9MQ2 2025Q2 2026

NIM

5.57%Q2 ’245.90%Q2 ’256.03%Q2 ’26+16%+12%

Non-interest income vs. expense

2.84%Q2 ’242.75%Q2 ’252.51%Q2 ’26-4%-12%

Executive Summary

  • Earnings: ROA of 1.78%, up 59 bps year over year; NIM at 4.34%.
  • Asset quality: problem loans at 0.35% of loans (-26 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.49%, down 37 bps from a year ago.
  • Funding: loans stand at 75.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.78%+59 bps YoY

Net Interest Margin (quarter, annualized)

4.34%+48 bps YoY

Efficiency Ratio (quarter, annualized)

51.50%-1,154 bps YoY

Tier 1 Leverage Ratio

9.49%-37 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.36%1.65%1.73%1.78%+59 bps
Return on Equity15.12%16.73%19.11%20.23%21.21%+609 bps
Net Interest Margin3.87%3.92%4.00%4.29%4.34%+48 bps
Efficiency Ratio63.03%57.74%36.35%51.07%51.50%-1,154 bps
Non-Interest Burden2.25%2.08%-0.04%1.99%1.98%-27 bps
Growth
Asset Growth (YoY)1.44%3.74%1.13%7.93%5.26%+382 bps
Loan Growth (YoY)-0.28%3.42%8.67%7.58%6.02%+631 bps
Deposit Growth (YoY)5.78%3.06%-0.43%7.22%4.55%-123 bps
Asset Quality
Nonperforming Loans / Loans0.60%0.58%0.39%0.28%0.35%-26 bps
Net Charge-Offs / Loans0.02%-0.09%0.00%-0.14%0.00%-3 bps
Allowance / Loans1.47%1.50%1.46%1.49%1.45%-3 bps
Allowance Coverage of NPLs2.4x2.6x3.8x5.3x4.2x+1.8x
Capital
Tier 1 Leverage Ratio9.86%9.83%9.24%9.33%9.49%-37 bps
Total Risk-Based Capital9.86%9.83%9.24%9.33%9.49%-37 bps
Equity / Assets7.89%8.41%8.91%8.25%8.52%+64 bps
Liquidity & Funding
Loans / Deposits74.70%74.81%78.22%76.21%75.75%+105 bps
Liquid Assets / Assets0.33%0.33%0.33%0.33%0.43%+10 bps
CRE / Total Capitaln/a280%294%308%n/an/a