Kalispell, MT · Cert 21557 · King Kalispell LLC
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 1.23% | 1.30% | 1.30% | 1.50% | +78 bps | |
| Return on Equity | 7.55% | 12.35% | 12.47% | 12.24% | 13.60% | +605 bps | |
| Net Interest Margin | 4.15% | 4.29% | 4.72% | 4.77% | 4.95% | +80 bps | |
| Efficiency Ratio | 74.51% | 69.08% | 64.84% | 65.24% | 64.92% | -959 bps | |
| Non-Interest Burden | 2.98% | 2.67% | 2.89% | 2.93% | 2.91% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.80% | -4.09% | -4.04% | -5.14% | -8.36% | -756 bps | |
| Loan Growth (YoY) | 8.05% | -2.91% | -2.40% | -6.14% | -7.85% | -1,590 bps | |
| Deposit Growth (YoY) | 1.57% | -1.43% | -2.13% | -2.49% | -4.26% | -583 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.56% | 0.74% | 0.64% | 0.59% | 0.93% | +37 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.01% | 0.43% | 0.00% | 0.03% | -22 bps | |
| Allowance / Loans | 1.13% | 1.08% | 0.98% | 1.03% | 1.03% | -9 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.5x | 1.5x | 1.7x | 1.1x | -0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.25% | 10.56% | 10.93% | 11.04% | 11.72% | +147 bps | |
| Total Risk-Based Capital | 10.25% | 10.56% | 10.93% | 11.04% | 11.72% | +147 bps | |
| Equity / Assets | 9.69% | 10.28% | 10.61% | 10.60% | 11.51% | +182 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.75% | 91.85% | 93.16% | 92.33% | 96.01% | -374 bps | |
| Liquid Assets / Assets | 0.59% | 4.76% | 3.92% | 4.90% | 2.18% | +159 bps | |
| CRE / Total Capital | n/a | 392% | 357% | 342% | n/a | n/a | |