BlastPoint's Banking Scorecard

Valley Bank of Ronan

$100M-$1B Specialty: Commercial MT FDIC cert 24966

Ronan, MT

7 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 +14.7% year over year ($197.6M on the books).
Delinquency rate 0.27%.
Return on assets 0.83%.
Efficiency ratio 73.23% vs a 64.48% peer average.
Loan-to-deposit ratio 74.93% 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 Ronan has 2 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

+ Deposit Franchise: Top 61.9% in tier
+ Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 46.9% in tier
- Efficiency Ratio 8.76% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$218.1M +14.1% YoY +3.9% QoQ	-$168.5M	$386.6M +1.2% YoY	$2.2B +3.0% YoY	$6.3B +7.7% YoY	31%
Total Loans ?	$148.1M +12.1% YoY +4.3% QoQ	-$110.3M	$258.3M +1.7% YoY	$1.4B +2.6% YoY	$3.2B +9.4% YoY	34%
Total Deposits ?	$197.6M +14.7% YoY +4.1% QoQ	-$129.1M	$326.7M +0.7% YoY	$1.8B +4.6% YoY	$4.9B +7.3% YoY	34%
Return on Assets ?	0.83% -18.0% YoY +10.3% QoQ	-0.49%	1.32% +10.8% YoY	1.54% -6.6% YoY	1.30% +12.1% YoY	25%
Net Interest Margin ?	4.47% -2.4% YoY +1.2% QoQ	+0.48%	3.99% +5.0% YoY	4.16% +5.0% YoY	3.95% +4.9% YoY	79%
Efficiency Ratio ?	73.23% +5.9% YoY +0.3% QoQ	+8.76%	64.48% -3.2% YoY	60.98% -0.5% YoY	70.05% +2.5% YoY	23%
Delinquency Rate ?	0.27% -35.1% YoY -18.4% QoQ	-0.65%	0.92% +15.7% YoY	1.28% +29.2% YoY	0.98% +16.3% YoY	60%
Loan-to-Deposit Ratio ?	74.93% -2.3% YoY +0.1% QoQ	-3.03%	77.95% +1.0% YoY	70.68% -1.2% YoY	79.03% +2.3% YoY	60%
Non-Interest-Bearing Deposit Share ?	37.88% -9.7% YoY -4.0% QoQ	+15.85%	22.03% -0.6% YoY	26.03% +1.9% YoY	21.98% -0.6% YoY	Top 6.4% in tier
Nonperforming Asset Ratio ?	0.18% -36.3% YoY -18.0% QoQ	-0.49%	0.67% +16.4% YoY	0.78% +50.1% YoY	0.69% +15.8% YoY	62%
Tier 1 Capital Ratio ?	12.81% -6.9% YoY -5.7% QoQ	-3.10%	15.91% +1.4% YoY	18.68% -1.3% YoY	17.09% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.20% -14.3% YoY +95.6% QoQ	-0.36%	0.57% +7.6% YoY	1.73% +7.3% YoY	0.66% +5.2% YoY	52%

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	37.9% -4.1pp YoY -1.6pp QoQ	+15.7pp	22.1%	26.8%	22.2%	94%
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	14.9% +1.3pp YoY -0.9pp QoQ	+3.3pp	11.6%	14.3%	12.5%	75%
CRE	32.1% -0.5pp YoY +0.7pp QoQ	-7.4pp	39.5%	42.8%	41.4%	38%
1-4 Family	31.7% 0.0pp YoY 0.0pp QoQ	-1.0pp	32.6%	26.0%	31.3%	55%
Consumer	5.8% -0.7pp YoY -0.2pp 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	12.8% -0.9pp YoY -0.8pp QoQ	-6.0pp	18.8%	22.4%	19.7%	25%
Leverage Ratio	9.3% -0.3pp YoY -0.1pp QoQ	-2.9pp	12.2%	13.2%	12.6%	17%
Total Capital Ratio	14.1% -1.0pp YoY -0.8pp QoQ	-5.9pp	19.9%	23.5%	20.8%	27%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Full-Time Employees	62 +2 (+3.3%) YoY 0 QoQ	+3	58	284	482	65%
Assets per Employee ($)	$3.5M +10.5% YoY +3.9% QoQ	-$4.0M	$7.5M	$8.1M	$8.8M	2%
Branch Count	7 0 YoY 0 QoQ	+2	4	21	18	75%

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	0.3% -0.1pp YoY -0.1pp QoQ	-0.7pp	0.9%	1.1%	1.0%	36%
Allowance Coverage	5.82x +40.6% YoY +16.8% QoQ	-18.33x	24.15x	3.69x	20.23x	73%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.0%	0.2%	70%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
ROE	8.9% -1.7pp YoY +0.9pp QoQ	-3.3pp	12.2%	14.2%	11.6%	30%
Cost of Funds (YTD)	1.3% +0.1pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.5%	1.7%	26%
Net Income ($, YTD)	$874,000 -8.4% YoY — QoQ	-$1.7M	$2.6M	$14.9M	$40.4M	23%

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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 (1)

Deposit Franchise

growth

#173 of 278 • Top 61.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 37.88%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.47%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Margin Compression

decline

#145 of 307 • Bottom 46.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.83%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

171

Non-Interest-Bearing Deposit Share

funding

Value: 37.88%

Peer Median: 22.03%

#171 of 2643 Top 6.4% in $100M-$1B

568

Net Interest Margin

profitability

Value: 4.47%

Peer Median: 3.99%

#568 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (2 metrics)

2029

Efficiency Ratio

profitability

Value: 73.23%

Peer Median: 64.48%

#2029 of 2643 Bottom 23.3% in $100M-$1B

1988

Return on Assets

profitability

Value: 0.83%

Peer Median: 1.32%

#1988 of 2643 Bottom 24.8% in $100M-$1B