Madison Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Madison Valley Bank of Ennis, MT against its peer group of 2672 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 | 1.15% | 1.35% | -0.20% | 41st below |
| ROAE | 13.21% | 12.05% | +1.16% | 55th above |
| Net Interest Margin | 3.71% | 3.90% | -0.19% | 37th below |
| Efficiency Ratio | 66.05% | 63.15% | +2.90% | 37th below |
| PPNR / Avg Assets | 1.30% | 1.64% | -0.34% | 34th below |
| Yield on Earning Assets | 4.78% | 5.65% | -0.87% | 16th bottom |
| Cost of Funds | 1.10% | 1.85% | -0.75% | 88th top |
| Net Interest Spread | 3.05% | 3.35% | -0.30% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.27% | 0.92% | +0.35% | 22nd bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.67% | -0.05% | 33rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 47th below |
| ACL / Total Loans | 1.64% | 1.28% | +0.36% | 85th top |
| ACL / NPLs (Coverage) | 128.73% | 1645.78% | -1517.05% | 36th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.34% | 7.15% | -0.81% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.52% | 20.83% | -6.31% | 44th below |
| Tier 1 Ratio | 14.52% | 20.87% | -6.35% | 44th below |
| Total Capital Ratio | 15.77% | 21.94% | -6.17% | 45th below |
| Leverage Ratio | 9.24% | 12.46% | -3.22% | 16th bottom |
| Equity / Assets | 8.95% | 11.67% | -2.72% | 27th below |
| TCE / Tangible Assets | 8.95% | 11.40% | -2.45% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.72% | 78.65% | -24.93% | 89th top |
| Core Deposit Ratio | 91.86% | 87.09% | +4.77% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.05% | 6.48% | -7.53% | 14th bottom |
| Loan Growth (Y/Y) | -1.01% | 7.64% | -8.65% | 19th bottom |
| Deposit Growth (Y/Y) | 1.25% | 6.02% | -4.77% | 31st below |
See Madison Valley Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Madison 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 Madison Valley Bank profile, how to read a UBPR, or how this data updates.