Madison Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Madison Valley Bank is an FDIC-insured commercial bank headquartered in Ennis, MT, established in 1965 (FDIC certificate 19544), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $263.7M, down 1.0% from Q2 2025, the 17th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 14.52% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19544
- Headquarters
- Ennis, MT
- Established
- 1965
- Total assets, Q2 2026
- $263.7M
- Assets vs Q2 2025
- -1.0%
- CET1 ratio, Q2 2026
- 14.52%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 092901117
- Latest call report
- Q2 2026, FFIEC 051 · Madison Valley Bank call report
- Holding company
- JACKASS CREEK LAND & LIVESTOCK COMPANY
- Asset rank in state
- 17th of 35 in Montana
Madison Valley Bank, based in Ennis, Montana, reported $264 million in assets at June 30, 2026, down 1.0% from a year earlier. It pays an average of 1.10% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it funds 9.24% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $5.7 million equal 23% of Tier 1 capital, down from 40% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.27% of loans, down from 1.37% a year earlier.
As of June 30, 2026, Madison Valley Bank reported a CET1 capital ratio of 14.52%, a return on assets of 1.15%, a nonperforming-loan ratio of 1.27% and a Texas ratio of 6.34%. The figures come from its call report filed with the FFIEC.
Of the 35 banks headquartered in Montana, Madison Valley Bank is the 17th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 6.6% to $263.7M, loans rose 1.1% and deposits fell 7.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 40.5% of total loans, followed by owner-occupied commercial real estate loans at 17.5%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in MT; its Ennis office books 62% of its branch deposits. By the capital ratios in its Q2 2026 call report, Madison Valley Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 213 E Main St, Ennis, MT 59729
- County
- Madison
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 21, 1965
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $238.6M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $269.3M
- Average total loans
- $130.3M
- Average interest-bearing deposits
- $162.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 13, 1966
- FDIC Cert
- 19544
- Fed RSSD
- 596455
- Website
- www.madisonvalleybank.com →
- Parent Holding Company
- JACKASS CREEK LAND & LIVESTOCK COMPANY (RSSD 1123616)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Madison Valley Bank's total assets moved between a low of $257.0M (Q4 2024) and a high of $282.4M (Q1 2026) from Q3 2023 to Q2 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
$263.7M total assets against $266.5M; $240.1M total liabilities against $244.8M.
$126.0M net loans and leases against $127.4M; $238.6M total deposits against $235.6M.
$117.9M securities against $120.6M; $11.6M cash and balances due against $10.9M.
$3.1M total interest income against $3.0M; $704K total interest expense against $923K.
$2.4M net interest income against $2.1M.
$190K total noninterest income against $170K; $1.7M total noninterest expense against $2.0M.
$60K provision for credit losses against $0.
$771K net income against $223K.
1.15% return on assets against 0.33%; 3.71% net interest margin against 3.29%.
14.52% CET1 capital ratio against 13.69%; 9.24% tier 1 leverage ratio against 8.85%.
Inside the full Madison 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Madison Valley Bank rankings
Its closest position to the top of a national ranking is 1,074 of 3,640, for Texas Ratio; its furthest is 2,448 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.33% (Q2 2025) to 1.15% (Q2 2026) and its net interest margin ran from 2.95% (Q3 2024) to 3.75% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.52% | 1.15% | 1.27% | 6.34% | 3.71% |
| Q1 2026 | 14.39% | 0.95% | 1.52% | 7.67% | 3.64% |
| Q4 2025 | 14.06% | 0.76% | 1.25% | 6.42% | 3.75% |
| Q3 2025 | 13.94% | 0.82% | 1.07% | 5.50% | 3.50% |
| Q2 2025 | 13.69% | 0.33% | 1.37% | 7.51% | 3.29% |
| Q1 2025 | 13.82% | 0.68% | 1.17% | 6.29% | 3.50% |
| Q4 2024 | 13.40% | 0.63% | 1.12% | 6.30% | 3.52% |
| Q3 2024 | 13.33% | 0.71% | 0.50% | 2.74% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → 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 |
|---|---|---|---|
| Madison Valley Bank (main office) | Ennis , MT | 59729 | $147.4M |
| Boulder Branch | Boulder , MT | 59632 | $33.7M |
| Grizzly Park Branch | West Yellowstone , MT | 59758 | $28.0M |
| Clancy Branch | Clancy , MT | 59634 | $21.7M |
| Bozeman Branch | Bozeman , MT | 59718 | $7.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 14, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 14, 2009 | Structure Change | Acquired First Boulder Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in MT, rank 20 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 39 applications, 28 loans originated, $8.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $130K approved, $130K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Madison Valley Bank
What are Madison Valley Bank's total assets?
As of the Q2 2026 filing, Madison Valley Bank reported total assets of $263.7 million in its FFIEC call report.
Where is Madison Valley Bank headquartered?
It is headquartered in Ennis, MT, United States.
When was Madison Valley Bank founded?
It was established in 1965, per the FDIC institution directory.
Is Madison Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19544). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Madison Valley Bank?
Madison Valley Bank's primary federal regulator is the FDIC.
What is Madison Valley Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Madison Valley Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Madison Valley Bank's Texas Ratio?
Its Texas Ratio is 6.34% 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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