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Valley Bank of Kalispell

$100M-$1B Specialty: Commercial MT FDIC cert 1980

Kalispell, MT

3 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 +4.6% year over year ($198.6M on the books).
  • Delinquency rate 0.35%.
  • Return on assets 1.76%.
  • Efficiency ratio 51.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.66% 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) →

Valley Bank of Kalispell has 4 strengths but faces 1 concern

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

  • + Profitability Leader: Top 20.0% in tier
  • + Net Interest Margin 0.49% above tier average
  • + Efficiency Ratio 13.19% below tier average
  • + Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 32.2% in tier
Get updates when Valley Bank of Kalispell releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Total Assets ? $218.1M
+5.3% YoY +3.5% QoQ
-$168.5M $386.6M
+1.2% YoY
$2.2B
+3.0% YoY
$6.3B
+7.7% YoY
31%
Total Loans ? $148.2M
+6.1% YoY +2.8% QoQ
-$110.1M $258.3M
+1.7% YoY
$1.4B
+2.6% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $198.6M
+4.6% YoY +3.4% QoQ
-$128.2M $326.7M
+0.7% YoY
$1.8B
+4.6% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 1.76%
+66.0% YoY +1.2% QoQ
+0.43% 1.32%
+10.8% YoY
1.54%
-6.6% YoY
1.30%
+12.1% YoY
78%
Net Interest Margin ? 4.47%
+18.1% YoY +0.5% QoQ
+0.49% 3.99%
+5.0% YoY
4.16%
+5.0% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 51.29%
-21.4% YoY +0.4% QoQ
-13.19% 64.48%
-3.2% YoY
60.98%
-0.5% YoY
70.05%
+2.5% YoY
80%
Delinquency Rate ? 0.35%
-42.8% YoY +22.2% QoQ
-0.57% 0.92%
+15.7% YoY
1.28%
+29.2% YoY
0.98%
+16.3% YoY
54%
Loan-to-Deposit Ratio ? 74.66%
+1.4% YoY -0.6% QoQ
-3.29% 77.95%
+1.0% YoY
70.68%
-1.2% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 28.67%
+12.7% YoY +8.9% QoQ
+6.64% 22.03%
-0.6% YoY
26.03%
+1.9% YoY
21.98%
-0.6% YoY
78%
Nonperforming Asset Ratio ? 0.24%
-42.4% YoY +21.5% QoQ
-0.43% 0.67%
+16.4% YoY
0.78%
+50.1% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 9.49%
-3.8% YoY +1.8% QoQ
-6.42% 15.91%
+1.4% YoY
18.68%
-1.3% YoY
17.09%
+0.8% YoY
Bottom 4.7% in tier
Non-Interest Income / Assets ? 0.23%
+4.0% YoY +126.0% QoQ
-0.34% 0.57%
+7.6% YoY
1.73%
+7.3% YoY
0.66%
+5.2% YoY
58%

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 28.7%
+3.2pp YoY
+2.3pp QoQ
 +6.5pp 22.1% 26.8% 22.2% 78%
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 17.3%
-0.2pp YoY
+2.5pp QoQ
 +5.7pp 11.6% 14.3% 12.5% 83%
CRE n/a n/a 39.5% 42.8% 41.4% n/a
1-4 Family 32.7%
-1.5pp YoY
-2.3pp QoQ
 +0.1pp 32.6% 26.0% 31.3% 57%
Consumer 5.8%
-1.8pp YoY
-0.4pp QoQ
 +1.7pp 4.1% 2.7% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.4% 19.7% n/a
Leverage Ratio 9.5%
-0.4pp YoY
+0.2pp QoQ
 -2.7pp 12.2% 13.2% 12.6% 21%
Total Capital Ratio n/a n/a 19.9% 23.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Full-Time Employees 32
+1 (+3.2%) YoY
+2 (+6.7%) QoQ
 -27 58 284 482 30%
Assets per Employee ($) $6.8M
+2.0% YoY
-3.0% QoQ
 -$702K $7.5M $8.1M $8.8M 49%
Branch Count 3
0 YoY
0 QoQ
 -2 4 21 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.6% 0.4% 50%
Nonaccrual 0.3%
-0.4pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.1% 1.0% 34%
Allowance Coverage 4.19x
+71.7% YoY
-20.4% QoQ
 -19.96x 24.15x 3.69x 20.23x 66%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
ROE 20.5%
+6.8pp YoY
+0.3pp QoQ
 +8.3pp 12.2% 14.2% 11.6% 89%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.5% 1.7% 54%
Net Income ($, YTD) $1.9M
+73.9% YoY
— QoQ
 -$698K $2.6M $14.9M $40.4M 50%

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 (1)

Profitability Leader

growth
#133 of 661 • Top 20.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.76%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Capital Thin

risk
#214 of 661 • Bottom 32.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.49%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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 (4 metrics)

517
Efficiency Ratio
profitability
Value: 51.29%
Peer Median: 64.48%
#517 of 2643 Top 19.5% in $100M-$1B
561
Net Interest Margin
profitability
Value: 4.47%
Peer Median: 3.99%
#561 of 2643 Top 21.2% in $100M-$1B
576
Non-Interest-Bearing Deposit Share
funding
Value: 28.67%
Peer Median: 22.03%
#576 of 2643 Top 21.8% in $100M-$1B
577
Return on Assets
profitability
Value: 1.76%
Peer Median: 1.32%
#577 of 2643 Top 21.8% in $100M-$1B

Top Weaknesses (1 metrics)

2520
Tier 1 Capital Ratio
capital
Value: 9.49%
Peer Median: 15.91%
#2520 of 2643 Bottom 4.7% in $100M-$1B
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