Belt Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Belt Valley Bank of Belt, MT against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 2.17% | 3.14% | -0.97% | 86th top |
| ROAE | 15.00% | 10.41% | +4.59% | 81st top |
| Net Interest Margin | 5.65% | 3.93% | +1.72% | 96th top |
| Efficiency Ratio | 47.13% | 76.37% | -29.24% | 91st top |
| PPNR / Avg Assets | 2.94% | 1.40% | +1.54% | 93rd top |
| Yield on Earning Assets | 7.44% | 5.35% | +2.09% | 96th top |
| Cost of Funds | 2.08% | 1.70% | +0.38% | 25th below |
| Net Interest Spread | 4.75% | 3.31% | +1.44% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.79% | 1.34% | +0.45% | 20th bottom |
| NPA / Total Assets | 1.47% | 0.71% | +0.76% | 13th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.11% | -0.10% | 28th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.29% | 1.49% | -0.20% | 55th above |
| ACL / NPLs (Coverage) | 72.08% | 867.07% | -794.99% | 30th below |
| Texas Ratio | 22.75% | 8.21% | +14.54% | 6th bottom |
| Provision / NCO | 0.00% | 316.29% | -316.29% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.83% | 17.61% | -2.78% | 63rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.81% | 16.43% | -1.62% | 65th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.81% | 16.18% | -1.37% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.96% | 72.76% | +27.20% | 10th bottom |
| Core Deposit Ratio | 91.48% | 88.21% | +3.27% | 50th above |
| Wholesale Funding Ratio | 2.45% | 5.29% | -2.84% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.55% | 4.29% | +6.26% | 85th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.17% | 6.73% | -2.56% | 57th above |
| Deposit Growth (Y/Y) | 11.54% | 3.75% | +7.79% | 88th top |
See Belt Valley Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Belt Valley Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Belt Valley Bank profile, how to read a UBPR, or how this data updates.