Kalispell, MT · Cert 1980 · Valley Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.14% | 0.95% | 1.18% | 1.36% | 1.65% | 1.73% | 1.78% | +59 bps | |
| Return on Equity | 13.47% | 14.90% | 12.40% | 15.12% | 16.73% | 19.11% | 20.23% | 21.21% | +609 bps | |
| Net Interest Margin | 3.32% | 3.41% | 3.65% | 3.87% | 3.92% | 4.00% | 4.29% | 4.34% | +48 bps | |
| Efficiency Ratio | 65.88% | 61.01% | 67.67% | 63.03% | 57.74% | 36.35% | 51.07% | 51.50% | -1,154 bps | |
| Non-Interest Burden | 2.06% | 1.92% | 2.33% | 2.25% | 2.08% | -0.04% | 1.99% | 1.98% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.90% | 6.32% | -3.84% | 1.44% | 3.74% | 1.13% | 7.93% | 5.26% | +382 bps | |
| Loan Growth (YoY) | 4.77% | 4.84% | 3.13% | -0.28% | 3.42% | 8.67% | 7.58% | 6.02% | +631 bps | |
| Deposit Growth (YoY) | -0.17% | 6.44% | 0.28% | 5.78% | 3.06% | -0.43% | 7.22% | 4.55% | -123 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.27% | 0.26% | 0.60% | 0.58% | 0.39% | 0.28% | 0.35% | -26 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | -0.09% | 0.00% | -0.14% | 0.00% | -3 bps | |
| Allowance / Loans | 1.53% | 1.56% | 1.54% | 1.47% | 1.50% | 1.46% | 1.49% | 1.45% | -3 bps | |
| Allowance Coverage of NPLs | 5.7x | 5.7x | 5.9x | 2.4x | 2.6x | 3.8x | 5.3x | 4.2x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.93% | 9.41% | 9.68% | 9.86% | 9.83% | 9.24% | 9.33% | 9.49% | -37 bps | |
| Total Risk-Based Capital | 8.93% | 9.41% | 9.68% | 9.86% | 9.83% | 9.24% | 9.33% | 9.49% | -37 bps | |
| Equity / Assets | 7.83% | 7.50% | 7.78% | 7.89% | 8.41% | 8.91% | 8.25% | 8.52% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.55% | 71.67% | 75.95% | 74.70% | 74.81% | 78.22% | 76.21% | 75.75% | +105 bps | |
| Liquid Assets / Assets | 0.33% | 0.33% | 0.35% | 0.33% | 0.33% | 0.33% | 0.33% | 0.43% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 280% | 294% | 308% | n/a | n/a | |