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
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.72% | 1.06% | 1.45% | Beats 30% | 522 / 746 | | |
| Return on Equity | 8.69% | 6.74% | 10.51% | 13.63% | Beats 38% | 459 / 746 | | |
| Net Interest Margin | 4.17% | 3.17% | 3.68% | 4.16% | Beats 75% | 183 / 746 | | |
| Efficiency Ratio | 73.67% | 55.74% | 64.58% | 75.47% | Beats 28% | 538 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.42% | 1.07% | Beats 62% | 288 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 32% | 505 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.81% | 11.55% | 13.75% | 17.60% | Beats 39% | 453 / 746 | | |
| Total Risk-Based Capital Ratio | 14.06% | 11.71% | 14.33% | 18.43% | Beats 47% | 396 / 746 | | |
| Equity / Assets | 9.22% | 8.90% | 10.51% | 13.06% | Beats 29% | 529 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.09% | 61.31% | 78.27% | 90.78% | 46th pctl | 403 / 746 | | |
| Loans / Assets | 68.97% | 53.60% | 66.97% | 76.08% | 55th pctl | 336 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |