BlastPoint's Banking Scorecard

Belt Valley Bank

under $100M Specialty: Commercial MT FDIC cert 15362

Designations: ✓ Community bank

Belt, MT

541 banks in the under $100M peer group nationally 6 in MT

Belt Valley Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.18% above tier average
+ Efficiency Ratio 38.48% below tier average
+ ROA 1.00% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 3.20% above tier average
- Nonperforming Asset Ratio 2.69% above tier average

Get updates when Belt Valley Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$90.2M +10.9% YoY +1.8% QoQ	+$28.0M	$62.2M -0.6% YoY	$2.2B +7.4% YoY	$6.2B +9.1% YoY	Top 11.8% in tier
Total Loans ?	$68.5M +1.8% YoY -3.5% QoQ	+$34.3M	$34.2M -1.4% YoY	$1.4B +7.1% YoY	$3.2B +10.8% YoY	Top 5.4% in tier
Total Deposits ?	$75.2M +12.8% YoY +2.3% QoQ	+$23.4M	$51.7M -0.7% YoY	$1.8B +10.6% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.83% -11.7% YoY +10.0% QoQ	+1.00%	0.84% -2.3% YoY	1.68% +0.0% YoY	1.23% +13.4% YoY	Top 12.9% in tier
Net Interest Margin ?	5.04% -2.1% YoY -8.4% QoQ	+1.18%	3.86% +2.8% YoY	4.10% +5.6% YoY	3.89% +5.7% YoY	Top 10.0% in tier
Efficiency Ratio ?	49.86% +8.6% YoY -9.6% QoQ	-38.48%	88.34% +0.3% YoY	58.72% -5.9% YoY	66.95% -4.1% YoY	Top 9.1% in tier
Delinquency Rate ?	4.57% +239.9% QoQ	+3.20%	1.37% +33.8% YoY	1.39% +43.4% YoY	0.95% +18.8% YoY	Bottom 7.1% in tier
Loan-to-Deposit Ratio ?	91.18% -9.7% YoY -5.7% QoQ	+26.96%	64.22% -0.7% YoY	68.91% -1.7% YoY	76.70% +0.9% YoY	Bottom 14.8% in tier
Non-Interest-Bearing Deposit Share ?	25.07% -3.7% YoY -4.3% QoQ	+1.35%	23.71% +0.3% YoY	25.97% -2.2% YoY	22.01% -1.2% YoY	56%
Nonperforming Asset Ratio ?	3.48% +222.2% QoQ	+2.69%	0.79% +28.2% YoY	0.81% +60.9% YoY	0.67% +19.3% YoY	Bottom 4.1% in tier
Tier 1 Capital Ratio ?	14.22% -7.8% YoY -3.0% QoQ	-12.46%	26.68% +2.0% YoY	19.61% +1.4% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.03% -1.3% YoY -76.0% QoQ	-0.64%	0.67% +1.9% YoY	0.88% +6.9% YoY	0.32% +4.1% YoY	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (6 metrics)

Total Loans

size

Value: $68.53M

Peer Median: $34.25M

#30 of 541 Top 5.4% in under $100M

Efficiency Ratio

profitability

Value: 49.86%

Peer Median: 88.34%

#50 of 541 Top 9.1% in under $100M

Net Interest Margin

profitability

Value: 5.04%

Peer Median: 3.86%

#55 of 541 Top 10.0% in under $100M

Total Assets

size

Value: $90.15M

Peer Median: $62.16M

#65 of 541 Top 11.8% in under $100M

Return on Assets

profitability

Value: 1.83%

Peer Median: 0.84%

#71 of 541 Top 12.9% in under $100M

Total Deposits

size

Value: $75.16M

Peer Median: $51.74M

#94 of 541 Top 17.2% in under $100M

Top Weaknesses (4 metrics)

520

Nonperforming Asset Ratio

credit_quality

Value: 3.48%

Peer Median: 0.79%

#520 of 541 Bottom 4.1% in under $100M

485

Delinquency Rate

credit_quality

Value: 4.57%

Peer Median: 1.37%

#485 of 521 Bottom 7.1% in under $100M

462

Loan-to-Deposit Ratio

liquidity

Value: 91.18%

Peer Median: 64.22%

#462 of 541 Bottom 14.8% in under $100M

438

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#438 of 541 Bottom 19.2% in under $100M