PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.26%Q2 ’245.52%Q2 ’255.57%Q2 ’26-2%-1%

Non-interest income vs. expense

3.42%Q2 ’243.33%Q2 ’253.47%Q2 ’26-3%+7%

Executive Summary

  • Earnings: ROA of 0.91%, down 8 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.26% of loans (-14 bps YoY), with net charge-offs at 0.12%.
  • 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 (quarter, annualized)

0.91%-8 bps YoY

Net Interest Margin (quarter, annualized)

4.28%-6 bps YoY

Efficiency Ratio (quarter, annualized)

73.46%+492 bps YoY

Tier 1 Leverage Ratio

9.29%-27 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.36%1.18%0.75%0.91%-8 bps
Return on Equity10.23%14.08%12.35%8.01%9.77%-47 bps
Net Interest Margin4.35%4.99%4.51%4.20%4.28%-6 bps
Efficiency Ratio68.54%63.84%72.34%73.00%73.46%+492 bps
Non-Interest Burden2.84%3.03%3.15%2.96%3.05%+21 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-0.09%0.01%0.06%0.00%0.12%+20 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