VALLEY BANK OF RONAN

RONAN, MT | Small | Est. Feb. 21, 1984, midnight | FDIC #24966 | RSSD #624956 | FED
Latest Report: 2025-12-31

VALLEY BANK OF RONAN is asn small FDIC-insured commercial bank headquartered in RONAN, MT, established in Feb. 21, 1984, midnight. As of 2025-12-31, the bank reported total assets of $203M and total deposits of $184M. Profitability stands at 1.18% ROA and 12.35% ROE, with a net interest margin of 4.96%. The bank's CET1 capital ratio is 13.94%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.30% and a Texas Ratio of 1.94%. FDIC Certificate #24966.

Assets

$203M

Deposits

$184M

Loans

$139M

Equity

$19M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 12.35%
Net Interest Margin (NIM) 4.96%
Yield on Assets 6.20%
Cost of Funds 1.26%

Asset Quality

NPL Ratio 0.30%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.94%
NPA Ratio 0.21%
ACL / Loans 1.64%

Capital & Liquidity

CET1 Ratio 13.94%
Tier 1 Capital 13.94%
Total Capital Ratio 15.20%
Leverage Ratio 9.23%
Loan-to-Deposit 75.65%

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