Belt Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.51 percentage points higher than in Q1 2026, at 99.96%. Belt Valley Bank ranks 5th of 35 Montana banks on return on assets, in the upper half at 2.17% (Q2 2026). Belt Valley Bank's return on assets of 2.17% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 1.19 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.83% |
| Equity capital to assets | 14.81% |
| Tangible equity to tangible assets | 14.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.79% |
| Non-performing assets ratio | 1.47% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 22.75% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 72.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.17% |
| Return on equity | 15.00% |
| Net interest margin | 5.65% |
| Efficiency ratio | 47.13% |
| Yield on earning assets | 7.44% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.96% |
| Core deposits to total deposits | 91.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.28% |
| Securities to assets | 3.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.93% | 1.76% | 5.46% | 0.87% | -0.01% |
| Q4 2023 | 15.44% | 1.31% | 5.35% | 0.86% | 0.00% |
| Q1 2024 | 15.54% | 1.90% | 5.25% | 0.82% | -0.01% |
| Q2 2024 | 15.63% | 2.24% | 5.70% | 0.73% | 0.00% |
| Q3 2024 | 15.36% | 1.71% | 5.38% | 0.71% | 0.00% |
| Q4 2024 | 15.26% | 1.17% | 5.43% | 0.72% | 0.00% |
| Q1 2025 | 15.43% | 2.16% | 5.41% | 0.72% | -0.01% |
| Q2 2025 | 16.00% | 2.09% | 5.87% | 0.69% | 0.00% |
| Q3 2025 | 16.19% | 2.08% | 5.91% | 0.66% | -0.01% |
| Q4 2025 | 14.65% | 0.57% | 5.30% | 1.86% | 0.00% |
| Q1 2026 | 14.22% | 1.80% | 5.01% | 1.93% | 0.00% |
| Q2 2026 | 14.83% | 2.17% | 5.65% | 1.79% | 0.01% |
Belt Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Belt Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Belt Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15362) · FFIEC NIC profile (RSSD 223751)