Valley Bank of Ronan
Ronan, MT · Cert 24966 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 190 of 755).
- Widest gap: equity / assets trails 72% of banks under $1B in assets operating in a single state (rank 543 of 755).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.80%
Rank 526 of 755
Net Interest Margin
4.17%
Rank 190 of 755
Efficiency Ratio
73.67%
Rank 543 of 755
Equity / Assets
9.22%
Rank 543 of 755
Non-interest income vs. expense
Unfavorable gap of $6.3M · efficiency ratio beats 28% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.72% | 1.06% | 1.45% | Beats 30% | 526 / 755 | |
| Return on Equity | 8.69% | 6.66% | 10.44% | 13.61% | Beats 39% | 461 / 755 | |
| Net Interest Margin | 4.17% | 3.15% | 3.68% | 4.17% | Beats 75% | 190 / 755 | |
| Efficiency Ratio | 73.67% | 55.75% | 64.78% | 75.61% | Beats 28% | 543 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.42% | 1.05% | Beats 60% | 299 / 751 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 34% | 499 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 12.81% | 11.56% | 13.81% | 17.74% | Beats 39% | 459 / 755 | |
| Total Risk-Based Capital Ratio | 14.06% | 11.72% | 14.46% | 18.53% | Beats 47% | 403 / 755 | |
| Equity / Assets | 9.22% | 8.93% | 10.56% | 13.13% | Beats 28% | 543 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 76.09% | 62.43% | 78.62% | 91.00% | 45th pctl | 415 / 755 | |
| Loans / Assets | 68.97% | 54.70% | 67.27% | 76.55% | 54th pctl | 345 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |