Belt Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Belt Valley Bank is an FDIC-insured commercial bank headquartered in Belt, MT, established in 1936 (FDIC certificate 15362), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $89.9M, up 10.5% from Q2 2025, the 32nd largest of 35 banks headquartered in Montana. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.83% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15362
- Headquarters
- Belt, MT
- Established
- 1936
- Total assets, Q2 2026
- $89.9M
- Assets vs Q2 2025
- +10.5%
- Tier 1 leverage ratio, Q2 2026
- 14.83%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 092905207
- Latest call report
- Q2 2026, FFIEC 051 · Belt Valley Bank call report
- Asset rank in state
- 32nd of 35 in Montana
Problem loans are rising at Belt Valley Bank. It reported $90 million in assets at June 30, 2026, up 10.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.85% of loans from 0.28% a year earlier. It spends about 47 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also keeps 5.65 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.87 cents).
Net income for the quarter rose 18% from a year earlier, to $490,000. Over the same year, loans grew 4.2% and deposits grew 11.5%. Credit is the area to watch: it carries problem assets equal to 20.0% of the capital and reserves that would absorb them, 14.5 times the median of 1.4% for banks its size.
As of June 30, 2026, Belt Valley Bank reported a return on assets of 2.17%, a nonperforming-loan ratio of 3.85% and a Texas ratio of 19.95%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Belt Valley Bank is the 32nd largest of the 35 banks headquartered in Montana. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $89.9M, loans rose 6.4% and deposits fell 1.6%. 1-4 family residential loans made up 41.0% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 17.7%. Its one office in the FDIC Summary of Deposits is in Belt, MT. Judged on its Q2 2026 call report, Belt Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 Castner St, Belt, MT 59412
- County
- Cascade
- Metro Area
- Great Falls, MT
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 14, 1936
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $74.0M
- Allowance for credit losses
- $955K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $90.3M
- Average total loans
- $70.2M
- Average interest-bearing deposits
- $55.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 14, 1936
- FDIC Cert
- 15362
- Fed RSSD
- 223751
- Website
- www.beltvalleybank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Belt Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Belt Valley Bank's total assets ranged from $78.2M (Q1 2024) to $90.2M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$89.9M total assets against $81.3M; $76.6M total liabilities against $68.8M.
$73.0M net loans and leases against $70.1M; $74.0M total deposits against $66.3M.
$3.2M securities against $3.6M; $11.9M cash and balances due against $6.0M.
$1.6M total interest income against $1.5M; $387K total interest expense against $357K.
$1.2M net interest income against $1.1M.
$31K total noninterest income against $21K; $592K total noninterest expense against $554K.
$0 provision for credit losses against $0.
$490K net income against $414K.
2.17% return on assets against 2.09%; 5.65% net interest margin against 5.87%.
14.83% tier 1 leverage ratio against 16.00%.
Inside the full Belt Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Belt Valley Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q4 2025) to 2.17% (Q2 2026) and its net interest margin ran from 5.01% (Q1 2026) to 5.91% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.83% | 2.17% | 3.85% | 19.95% | 5.65% |
| Q1 2026 | 14.22% | 1.80% | 4.51% | 22.76% | 5.01% |
| Q4 2025 | 14.65% | 0.57% | 1.33% | 6.77% | 5.30% |
| Q3 2025 | 16.19% | 2.08% | 1.48% | 7.96% | 5.91% |
| Q2 2025 | 16.00% | 2.09% | 0.28% | 1.47% | 5.87% |
| Q1 2025 | 15.43% | 2.16% | 0.25% | 1.32% | 5.41% |
| Q4 2024 | 15.26% | 1.17% | 0.65% | 3.44% | 5.43% |
| Q3 2024 | 15.36% | 1.71% | 0.64% | 3.53% | 5.38% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Belt Valley Bank (main office) | Belt , MT | 59412 | $74.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve)
- September 12, 2025, Federal Reserve: Civil Money Penalty: Belt Valley Bank, Belt, Montana
- June 30, 2011, Federal Reserve: Written Agreement: Belt Valley Bank, Belt, Montana
- Period: Most recent institution action September 12, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MT, rank 38 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 50 applications, 40 loans originated, $7.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Belt Valley Bank
What are Belt Valley Bank's total assets?
As of the Q2 2026 filing, Belt Valley Bank reported total assets of $89.9 million in its FFIEC call report.
Where is Belt Valley Bank headquartered?
It is headquartered in Belt, MT, United States.
When was Belt Valley Bank founded?
It was established in 1936, per the FDIC institution directory.
Is Belt Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15362). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Belt Valley Bank?
Belt Valley Bank's primary federal regulator is the Federal Reserve.
How many branches does Belt Valley Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Belt Valley Bank's Texas Ratio?
Its Texas Ratio is 19.95% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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