VALLEY BANK OF KALISPELL

KALISPELL, MT | Small | Est. July 1, 1911, midnight | FDIC #1980 | RSSD #473257 | FDIC
Latest Report: 2025-12-31

VALLEY BANK OF KALISPELL is asn small FDIC-insured commercial bank headquartered in KALISPELL, MT, established in July 1, 1911, midnight. As of 2025-12-31, the bank reported total assets of $206M and total deposits of $186M. Profitability stands at 1.65% ROA and 19.11% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 8.91%. Asset quality metrics show a non-performing loan ratio of 0.28% and a Texas Ratio of 2.00%. FDIC Certificate #1980.

Assets

$206M

Deposits

$186M

Loans

$146M

Equity

$18M

Profitability

Return on Assets (ROA) 1.65%
Return on Equity (ROE) 19.11%
Net Interest Margin (NIM) 4.56%
Yield on Assets 6.70%
Cost of Funds 2.16%

Asset Quality

NPL Ratio 0.28%
Net Charge-Off Ratio -0.02%
Texas Ratio 2.00%
NPA Ratio 0.20%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 8.91%
Tier 1 Capital 8.91%
Total Capital Ratio 9.36%
Leverage Ratio 9.24%
Loan-to-Deposit 78.22%

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