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Valley Bank of Ronan

Ronan, MT · Cert 24966 · Valley Holding Co.

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

28

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Valley Bank of Ronan

Ronan, MT · Cert 24966 · Valley Holding Co.

State charter, Fed member · FED · 7 branches

Q2 2026

$218.1MAssets
$150.4MLoans
$197.6MDeposits
$20.1MEquity
Loan mix
76%RE $99.2M17%C&I $22.4M7%Consumer $8.5MQ2 2025Q2 2026
Deposit mix
62%Interest-bearing $122.8M38%Noninterest $74.9MQ2 2025Q2 2026

NIM

5.25%Q2 ’245.40%Q2 ’255.41%Q2 ’26-6%-2%

Non-interest income vs. expense

3.45%Q2 ’243.30%Q2 ’253.37%Q2 ’26-5%+5%

Executive Summary

  • Earnings: ROA of 0.83%, down 18 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.26% of loans (-14 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.29%, down 27 bps from a year ago.
  • Funding: loans stand at 76.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%-18 bps YoY

Net Interest Margin (YTD, annualized)

4.17%-11 bps YoY

Efficiency Ratio (YTD, annualized)

73.23%+408 bps YoY

Tier 1 Leverage Ratio

9.29%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.13%1.14%0.75%0.83%-18 bps
Return on Equity10.57%11.77%11.94%8.01%8.89%-168 bps
Net Interest Margin4.27%4.41%4.31%4.20%4.17%-11 bps
Efficiency Ratio69.16%67.17%68.52%73.00%73.23%+408 bps
Non-Interest Burden2.82%2.82%2.82%2.96%2.95%+13 bps
Growth
Asset Growth (YoY)12.53%14.04%10.04%10.88%14.14%+161 bps
Loan Growth (YoY)8.14%9.12%8.94%9.78%11.97%+383 bps
Deposit Growth (YoY)12.99%14.53%10.12%11.14%14.73%+174 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.30%0.30%0.32%0.26%-14 bps
Net Charge-Offs / Loans-0.04%-0.02%0.00%0.00%0.06%+10 bps
Allowance / Loans1.67%1.62%1.64%1.60%1.53%-15 bps
Allowance Coverage of NPLs4.1x5.4x5.5x5.0x5.8x+1.7x
Capital
Tier 1 Leverage Ratio9.57%9.58%9.23%9.36%9.29%-27 bps
Total Risk-Based Capital15.02%15.15%15.20%14.84%14.06%-96 bps
Equity / Assets9.70%9.67%9.46%9.35%9.22%-48 bps
Liquidity & Funding
Loans / Deposits77.96%78.53%75.65%76.04%76.09%-187 bps
Liquid Assets / Assets23.46%24.53%26.77%26.87%25.97%+251 bps
CRE / Total Capitaln/a243%237%233%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Valley Bank of Ronan

Ronan, MT · Cert 24966 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Valley Holding Co.

State charter, Fed member · FED · 7 branches

Q2 2026

$218.1MAssets
$150.4MLoans
$197.6MDeposits
$20.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 75% of banks under $1B in assets operating in a single state (rank 183 of 746).
  • Widest gap: efficiency ratio trails 72% of banks under $1B in assets operating in a single state (rank 538 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.80%

Rank 522 of 746

Net Interest Margin

4.17%

Rank 183 of 746

Efficiency Ratio

73.67%

Rank 538 of 746

Equity / Assets

9.22%

Rank 529 of 746

Non-interest income vs. expense

$0.9M$7.2MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 28% of banks under $1B in assets operating in a single state
Bank 73.67%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.72%1.06%1.45%Beats 30%522 / 746
Return on Equity8.69%6.74%10.51%13.63%Beats 38%459 / 746
Net Interest Margin4.17%3.17%3.68%4.16%Beats 75%183 / 746
Efficiency Ratio73.67%55.74%64.58%75.47%Beats 28%538 / 746
Asset Quality
Nonperforming Loans / Loans0.26%0.09%0.42%1.07%Beats 62%288 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 32%505 / 743
Capital
Tier 1 Capital Ratio12.81%11.55%13.75%17.60%Beats 39%453 / 746
Total Risk-Based Capital Ratio14.06%11.71%14.33%18.43%Beats 47%396 / 746
Equity / Assets9.22%8.90%10.51%13.06%Beats 29%529 / 746
Liquidity & Funding
Loans / Deposits76.09%61.31%78.27%90.78%46th pctl403 / 746
Loans / Assets68.97%53.60%66.97%76.08%55th pctl336 / 746
Brokered Deposits / Depositsn/aNot reported for this institution