BlastPoint's Banking Scorecard
Belt Valley Bank
Designations: ✓ Community bank
Belt, MT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 5 in MT.
- Deposits +11.5% year over year ($74.0M on the books).
- Delinquency rate 3.90%.
- Return on assets 2.01%.
- Efficiency ratio 48.41% vs a 119.40% peer average.
- Loan-to-deposit ratio 98.67% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Belt Valley Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.44% above tier average
- + Efficiency Ratio 70.98% below tier average
- + ROA 1.01% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.42% above tier average
- - Loan-to-Deposit Ratio 24.46% above tier average
- - Nonperforming Asset Ratio 2.33% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.9M
+10.5% YoY
-0.3% QoQ
|
+$27.5M |
$62.4M
-0.0% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Top 13.4% in tier |
| Total Loans ? |
$73.0M
+4.1% YoY
+6.5% QoQ
|
+$38.1M |
$34.9M
-0.6% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
Top 4.3% in tier |
| Total Deposits ? |
$74.0M
+11.5% YoY
-1.6% QoQ
|
+$22.4M |
$51.6M
-0.2% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
2.01%
-2.0% YoY
+9.7% QoQ
|
+1.01% |
1.00%
+3.5% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
Top 11.0% in tier |
| Net Interest Margin ? |
5.35%
-0.7% YoY
+6.3% QoQ
|
+1.44% |
3.91%
+2.3% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
Top 6.2% in tier |
| Efficiency Ratio ? |
48.41%
+2.1% YoY
-2.9% QoQ
|
-70.98% |
119.40%
+49.6% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
Top 7.5% in tier |
| Delinquency Rate ? |
3.90%
-14.7% QoQ
|
+2.42% |
1.48%
+31.8% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.7% in tier |
| Loan-to-Deposit Ratio ? |
98.67%
-6.7% YoY
+8.2% QoQ
|
+24.46% |
74.21%
+12.6% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.66%
+4.0% YoY
+2.3% QoQ
|
+2.17% |
23.49%
+0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
3.17%
-8.9% QoQ
|
+2.33% |
0.84%
+23.0% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 4.7% in tier |
| Tier 1 Capital Ratio ? |
14.83%
-7.3% YoY
+4.3% QoQ
|
-12.29% |
27.13%
+3.0% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.06%
+16.3% YoY
+135.4% QoQ
|
-1.32% |
1.38%
+6.3% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
22% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.7%
+1.0pp YoY +0.6pp QoQ |
+1.0pp | 24.6% | 26.8% | 22.2% | 58% |
| Brokered Deposits | n/a | n/a | 9.8% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.0%
-0.4pp YoY -0.5pp QoQ |
-9.4pp | 13.4% | 14.3% | 12.5% | 14% |
| CRE |
29.6%
-1.1pp YoY +0.3pp QoQ |
+4.4pp | 25.2% | 42.8% | 41.4% | 69% |
| 1-4 Family |
41.6%
+2.4pp YoY -1.8pp QoQ |
+6.6pp | 35.0% | 26.0% | 31.3% | 64% |
| Consumer |
2.8%
-0.1pp YoY 0.0pp QoQ |
-4.8pp | 7.7% | 2.7% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.4% | 19.7% | n/a |
| Leverage Ratio |
14.8%
-1.2pp YoY +0.6pp QoQ |
-2.9pp | 17.7% | 13.2% | 12.6% | 68% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
-1 (-7.1%) YoY 0 QoQ |
+1 | 12 | 284 | 482 | 62% |
| Assets per Employee ($) |
$6.9M
+19.1% YoY -0.3% QoQ |
+$729K | $6.2M | $8.1M | $8.8M | 65% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 21 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.6%
+2.5pp YoY -0.6pp QoQ |
+1.7pp | 1.0% | 0.6% | 0.4% | 92% |
| Nonaccrual |
1.3%
+1.1pp YoY -0.1pp QoQ |
-0.5pp | 1.7% | 1.1% | 1.0% | 62% |
| Allowance Coverage |
0.34x
-92.3% YoY +9.8% QoQ |
-6.07x | 6.41x | 3.69x | 20.23x | 9% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.0% | 0.2% | 38% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.7%
0.0pp YoY +1.1pp QoQ |
+7.3pp | 6.4% | 14.2% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.8%
0.0pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.5% | 1.7% | 75% |
| Net Income ($, YTD) |
$899,000
+6.5% YoY — QoQ |
+$581K | $317,817 | $14.9M | $40.4M | 94% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.