BanksVALLEY BANK OF KALISPELL

VALLEY BANK OF KALISPELL

KALISPELL, MTSmallEst. July 1, 1911, midnightFDIC #1980RSSD #473257FDIC
Latest · 2025-12-31

VALLEY BANK OF KALISPELL is an 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%. CET1 capital ratio: 8.91%. NPL ratio: 0.28% · Texas Ratio: 2.00%. Operates 3 domestic branches.

Assets
$206M
Deposits
$186M
Loans
$146M
Equity
$18M

Profitability

Return on Assets (ROA)1.65%
Return on Equity (ROE)19.11%
Net Interest Margin4.56%
Yield on Assets6.70%
Cost of Funds2.16%

Asset Quality

NPL Ratio0.28%
Net Charge-Off Ratio-0.02%
Texas Ratio2.00%
NPA Ratio0.20%
ACL / Loans1.46%

Capital & Liquidity

CET1 Ratio8.91%
Tier 1 Capital8.91%
Total Capital Ratio9.36%
Leverage Ratio9.24%
Loan-to-Deposit78.22%

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