Bank Comparison
Valley Bank of Kalispell vs Lyon County State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Valley Bank of Kalispell | Lyon County State Bank, the |
|---|---|---|
| CET1 Ratio | — | 18.56% |
| Tier 1 Capital Ratio | — | 18.56% |
| Total Capital Ratio | — | 19.82% |
| Tier 1 Leverage Ratio | 9.33% | 9.30% |
| Equity / Assets | 8.25% | 8.12% |
Profitability
| Metric | Valley Bank of Kalispell | Lyon County State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.72% | 1.68% |
| Return on Equity (ROE) | 20.23% | 20.39% |
| Net Interest Margin (NIM) | 4.43% | 3.77% |
| Yield on Earning Assets | 6.18% | 5.01% |
| Cost of Funds | 1.90% | 1.34% |
Asset quality
| Metric | Valley Bank of Kalispell | Lyon County State Bank, the |
|---|---|---|
| Texas Ratio | 2.11% | 1.30% |
| Non-Performing Loan Ratio | 0.27% | 0.17% |
| Non-Performing Asset Ratio | 0.19% | 0.12% |
| Net Charge-Off Ratio | -0.14% | 0.00% |
| ACL / Loans | 1.49% | 1.35% |
Balance sheet
| Metric | Valley Bank of Kalispell | Lyon County State Bank, the |
|---|---|---|
| Total Assets | $210,813K | $210,756K |
| Total Deposits | $192,066K | $182,996K |
| Total Loans | $146,379K | $143,114K |
| Total Equity | $17,387K | $17,115K |
| Net Income (quarter) | $903 | $890 |
Liquidity & funding
| Metric | Valley Bank of Kalispell | Lyon County State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 76.21% | 78.21% |
| Core Deposit Ratio | 86.20% | 94.12% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Valley Bank of Kalispell | Lyon County State Bank, the |
|---|---|---|
| Headquarters City | KALISPELL | EMPORIA |
| Headquarters State | MT | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 30 | 32 |
| Established | July 1, 1911, midnight | June 27, 1913, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Valley Bank of Kalispell profile | View full Lyon County State Bank, the profile | Browse all bank comparisons