MADISON VALLEY BANK

ENNIS, MT | Small | Est. June 21, 1965, midnight | FDIC #19544 | RSSD #596455 | FDIC
Latest Report: 2025-12-31

MADISON VALLEY BANK is asn small FDIC-insured commercial bank headquartered in ENNIS, MT, established in June 21, 1965, midnight. As of 2025-12-31, the bank reported total assets of $262M and total deposits of $238M. Profitability stands at 0.79% ROA and 9.20% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 14.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.04% and a Texas Ratio of 5.35%. FDIC Certificate #19544.

Assets

$262M

Deposits

$238M

Loans

$130M

Equity

$23M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 9.20%
Net Interest Margin (NIM) 3.99%
Yield on Assets 5.23%
Cost of Funds 1.25%

Asset Quality

NPL Ratio 1.04%
Net Charge-Off Ratio 0.01%
Texas Ratio 5.35%
NPA Ratio 0.52%
ACL / Loans 1.56%

Capital & Liquidity

CET1 Ratio 14.06%
Tier 1 Capital 14.06%
Total Capital Ratio 15.31%
Leverage Ratio 8.74%
Loan-to-Deposit 54.69%

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