BlastPoint's Banking Scorecard
Valley Bank of Ronan
Ronan, MT
7 branches across MT
Valley Bank of Ronan has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 54.8% in tier
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 18.0% in tier
- - Efficiency Ratio 7.71% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$209.9M
+10.9% YoY
+3.2% QoQ
|
-$176.2M |
$386.1M
+0.5% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$142.0M
+9.8% YoY
+3.8% QoQ
|
-$113.7M |
$255.7M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$189.8M
+11.1% YoY
+3.2% QoQ
|
-$138.2M |
$328.0M
+0.1% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
0.75%
-27.5% YoY
-34.1% QoQ
|
-0.52% |
1.27%
+12.9% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
4.41%
-2.0% YoY
-8.6% QoQ
|
+0.48% |
3.93%
+6.0% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
73.00%
+4.6% YoY
+6.5% QoQ
|
+7.71% |
65.29%
-4.5% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
0.33%
-5.5% YoY
+7.2% QoQ
|
-0.56% |
0.89%
+18.8% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
74.82%
-1.2% YoY
+0.5% QoQ
|
-1.82% |
76.64%
+0.8% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
39.46%
-5.9% YoY
-0.4% QoQ
|
+17.44% |
22.02%
-1.0% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
Top 5.3% in tier |
| Nonperforming Asset Ratio ? |
0.22%
-6.4% YoY
+7.8% QoQ
|
-0.42% |
0.64%
+19.7% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
13.59%
+1.4% YoY
-2.6% QoQ
|
-2.24% |
15.83%
+1.5% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.10%
-11.8% YoY
-76.7% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
55% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.