Ronan, MT · Cert 24966 · Valley Holding Co.
State charter, Fed member · FED · 7 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 | 1.16% | 1.17% | 1.04% | 1.01% | 1.13% | 1.14% | 0.75% | 0.83% | -18 bps | |
| Return on Equity | 11.77% | 11.95% | 10.91% | 10.57% | 11.77% | 11.94% | 8.01% | 8.89% | -168 bps | |
| Net Interest Margin | 4.50% | 4.37% | 4.29% | 4.27% | 4.41% | 4.31% | 4.20% | 4.17% | -11 bps | |
| Efficiency Ratio | 68.62% | 69.04% | 69.80% | 69.16% | 67.17% | 68.52% | 73.00% | 73.23% | +408 bps | |
| Non-Interest Burden | 2.95% | 2.88% | 2.87% | 2.82% | 2.82% | 2.82% | 2.96% | 2.95% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.34% | 8.98% | 11.33% | 12.53% | 14.04% | 10.04% | 10.88% | 14.14% | +161 bps | |
| Loan Growth (YoY) | 9.95% | 8.56% | 9.20% | 8.14% | 9.12% | 8.94% | 9.78% | 11.97% | +383 bps | |
| Deposit Growth (YoY) | 5.86% | 8.91% | 11.67% | 12.99% | 14.53% | 10.12% | 11.14% | 14.73% | +174 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.31% | 0.34% | 0.40% | 0.30% | 0.30% | 0.32% | 0.26% | -14 bps | |
| Net Charge-Offs / Loans | -0.17% | -0.13% | 0.00% | -0.04% | -0.02% | 0.00% | 0.00% | 0.06% | +10 bps | |
| Allowance / Loans | 1.66% | 1.69% | 1.66% | 1.67% | 1.62% | 1.64% | 1.60% | 1.53% | -15 bps | |
| Allowance Coverage of NPLs | 4.4x | 5.5x | 4.9x | 4.1x | 5.4x | 5.5x | 5.0x | 5.8x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.91% | 9.57% | 9.52% | 9.57% | 9.58% | 9.23% | 9.36% | 9.29% | -27 bps | |
| Total Risk-Based Capital | 12.64% | 14.80% | 14.65% | 15.02% | 15.15% | 15.20% | 14.84% | 14.06% | -96 bps | |
| Equity / Assets | 10.06% | 9.51% | 9.54% | 9.70% | 9.67% | 9.46% | 9.35% | 9.22% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.42% | 76.47% | 76.98% | 77.96% | 78.53% | 75.65% | 76.04% | 76.09% | -187 bps | |
| Liquid Assets / Assets | 20.86% | 25.65% | 26.04% | 23.46% | 24.53% | 26.77% | 26.87% | 25.97% | +251 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 243% | 237% | 233% | n/a | n/a | |