Kalispell, MT · Cert 21557 · King Kalispell LLC
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 | 0.20% | 0.50% | 0.73% | 0.72% | 0.89% | 0.99% | 1.30% | 1.40% | +68 bps | |
| Return on Equity | 2.22% | 5.61% | 7.93% | 7.74% | 9.32% | 10.13% | 12.24% | 12.86% | +513 bps | |
| Net Interest Margin | 3.25% | 3.41% | 3.84% | 4.01% | 4.17% | 4.32% | 4.77% | 4.93% | +92 bps | |
| Efficiency Ratio | 89.12% | 81.67% | 76.98% | 75.71% | 73.31% | 71.07% | 65.24% | 65.07% | -1,064 bps | |
| Non-Interest Burden | 2.83% | 2.69% | 2.84% | 2.92% | 2.88% | 2.90% | 2.93% | 2.96% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.89% | 3.52% | 3.60% | -0.80% | -4.09% | -4.04% | -5.14% | -8.36% | -756 bps | |
| Loan Growth (YoY) | 17.43% | 15.86% | 13.32% | 8.05% | -2.91% | -2.40% | -6.14% | -7.85% | -1,590 bps | |
| Deposit Growth (YoY) | 0.57% | 5.06% | 0.72% | 1.57% | -1.43% | -2.13% | -2.49% | -4.26% | -583 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.51% | 0.55% | 0.53% | 0.56% | 0.74% | 0.64% | 0.59% | 0.93% | +37 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | -0.01% | 0.12% | 0.09% | 0.17% | 0.00% | 0.01% | -11 bps | |
| Allowance / Loans | 1.31% | 1.21% | 1.20% | 1.13% | 1.08% | 0.98% | 1.03% | 1.03% | -9 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.2x | 2.3x | 2.0x | 1.5x | 1.5x | 1.7x | 1.1x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.59% | 9.84% | 10.01% | 10.25% | 10.56% | 10.93% | 11.04% | 11.72% | +147 bps | |
| Total Risk-Based Capital | 9.59% | 9.84% | 10.01% | 10.25% | 10.56% | 10.93% | 11.04% | 11.72% | +147 bps | |
| Equity / Assets | 9.02% | 9.05% | 9.34% | 9.69% | 10.28% | 10.61% | 10.60% | 11.51% | +182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.25% | 93.42% | 95.92% | 99.75% | 91.85% | 93.16% | 92.33% | 96.01% | -374 bps | |
| Liquid Assets / Assets | 0.60% | 0.56% | 0.58% | 0.59% | 4.76% | 3.92% | 4.90% | 2.18% | +159 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 392% | 357% | 342% | n/a | n/a | |