Kalispell, MT · Cert 1980 · Valley Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.96% | 0.95% | 1.06% | 1.16% | 1.29% | 1.73% | 1.76% | +70 bps | |
| Return on Equity | 12.41% | 13.15% | 12.40% | 13.70% | 14.73% | 15.92% | 20.23% | 20.52% | +682 bps | |
| Net Interest Margin | 3.22% | 3.32% | 3.65% | 3.74% | 3.70% | 3.64% | 4.29% | 4.26% | +52 bps | |
| Efficiency Ratio | 68.72% | 66.75% | 67.67% | 65.26% | 62.62% | 53.44% | 51.07% | 51.29% | -1,397 bps | |
| Non-Interest Burden | 2.09% | 2.08% | 2.33% | 2.28% | 2.15% | 1.53% | 1.99% | 1.96% | -32 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 | -0.01% | -0.01% | 0.00% | 0.01% | -0.02% | -0.02% | -0.14% | -0.07% | -8 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 | |