BlastPoint

BlastPoint's Banking Scorecard

Madison Valley Bank

$100M-$1B Specialty: Commercial MT FDIC cert 19544

Ennis, MT

5 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in MT.
  • Deposits +1.3% year over year ($238.6M on the books).
  • Delinquency rate 1.29%.
  • Return on assets 1.04%.
  • Efficiency ratio 70.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 52.84% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in MT
View $100M-$1B leaderboard (MT) →

Madison Valley Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 25.7% in tier
  • - ROA 0.28% below tier average
  • - Net Interest Margin 0.30% below tier average
  • - Efficiency Ratio 6.20% above tier average
  • - Delinquency Rate 0.37% above tier average
Get updates when Madison Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Total Assets ? $263.7M
-1.0% YoY -6.6% QoQ
-$122.9M $386.6M
+1.2% YoY
$2.2B
+3.0% YoY
$6.3B
+7.7% YoY
39%
Total Loans ? $126.0M
-1.1% YoY +1.0% QoQ
-$132.3M $258.3M
+1.7% YoY
$1.4B
+2.6% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $238.6M
+1.3% YoY -7.7% QoQ
-$88.2M $326.7M
+0.7% YoY
$1.8B
+4.6% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 1.04%
+104.6% YoY +12.3% QoQ
-0.28% 1.32%
+10.8% YoY
1.54%
-6.6% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 3.69%
+9.0% YoY +3.3% QoQ
-0.30% 3.99%
+5.0% YoY
4.16%
+5.0% YoY
3.95%
+4.9% YoY
36%
Efficiency Ratio ? 70.68%
-16.7% YoY -5.7% QoQ
+6.20% 64.48%
-3.2% YoY
60.98%
-0.5% YoY
70.05%
+2.5% YoY
29%
Delinquency Rate ? 1.29%
-7.4% YoY -16.4% QoQ
+0.37% 0.92%
+15.7% YoY
1.28%
+29.2% YoY
0.98%
+16.3% YoY
22%
Loan-to-Deposit Ratio ? 52.84%
-2.3% YoY +9.4% QoQ
-25.12% 77.95%
+1.0% YoY
70.68%
-1.2% YoY
79.03%
+2.3% YoY
Top 10.8% in tier
Non-Interest-Bearing Deposit Share ? 31.47%
+7.1% YoY -14.8% QoQ
+9.44% 22.03%
-0.6% YoY
26.03%
+1.9% YoY
21.98%
-0.6% YoY
85%
Nonperforming Asset Ratio ? 0.62%
-7.5% YoY -9.5% QoQ
-0.05% 0.67%
+16.4% YoY
0.78%
+50.1% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 14.52%
+6.0% YoY +0.9% QoQ
-1.39% 15.91%
+1.4% YoY
18.68%
-1.3% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.14%
+4.2% YoY +124.7% QoQ
-0.43% 0.57%
+7.6% YoY
1.73%
+7.3% YoY
0.66%
+5.2% YoY
30%

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 31.5%
+2.1pp YoY
-5.5pp QoQ
 +9.3pp 22.1% 26.8% 22.2% 85%
Brokered Deposits n/a n/a 7.9% 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 5.8%
0.0pp YoY
+0.2pp QoQ
 -5.7pp 11.6% 14.3% 12.5% 25%
CRE 49.8%
+0.3pp YoY
-0.5pp QoQ
 +10.2pp 39.5% 42.8% 41.4% 70%
1-4 Family 41.2%
+0.4pp YoY
+0.4pp QoQ
 +8.5pp 32.6% 26.0% 31.3% 72%
Consumer 2.4%
-0.4pp YoY
-0.1pp QoQ
 -1.7pp 4.1% 2.7% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
CET1 Ratio 14.5%
+0.8pp YoY
+0.1pp QoQ
 -4.3pp 18.8% 22.4% 19.7% 44%
Leverage Ratio 9.2%
+0.4pp YoY
0.0pp QoQ
 -2.9pp 12.2% 13.2% 12.6% 16%
Total Capital Ratio 15.8%
+0.8pp YoY
+0.1pp QoQ
 -4.2pp 19.9% 23.5% 20.8% 45%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Full-Time Employees 39
-4 (-9.3%) YoY
-4 (-9.3%) QoQ
 -20 58 284 482 40%
Assets per Employee ($) $6.8M
+9.1% YoY
+2.9% QoQ
 -$757K $7.5M $8.1M $8.8M 48%
Branch Count 5
0 YoY
0 QoQ
 0 4 21 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.6% 0.4% n/a
Nonaccrual 1.3%
+0.1pp YoY
+0.3pp QoQ
 +0.4pp 0.9% 1.1% 1.0% 78%
Allowance Coverage 1.29x
+12.1% YoY
+21.8% QoQ
 -22.87x 24.15x 3.69x 20.23x 35%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
ROE 12.0%
+5.8pp YoY
+1.1pp QoQ
 -0.2pp 12.2% 14.2% 11.6% 50%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.5% 1.7% 14%
Net Income ($, YTD) $1.4M
+108.6% YoY
— QoQ
 -$1.2M $2.6M $14.9M $40.4M 39%

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 (1)

Flatlined Growth

risk
#137 of 529 • Bottom 25.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.04%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

286
Loan-to-Deposit Ratio
liquidity
Value: 52.84%
Peer Median: 77.95%
#286 of 2643 Top 10.8% in $100M-$1B
402
Non-Interest-Bearing Deposit Share
funding
Value: 31.47%
Peer Median: 22.03%
#402 of 2643 Top 15.2% in $100M-$1B

Top Weaknesses (1 metrics)

2048
Delinquency Rate
credit_quality
Value: 1.29%
Peer Median: 0.92%
#2048 of 2633 Bottom 22.3% in $100M-$1B
Powered by BlastPoint © 2026