Valley Bank of Kalispell
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Data as of · sourced from FFIEC call reports. How we update
Valley Bank of Kalispell is an FDIC-insured commercial bank headquartered in Kalispell, MT, established in 1911 (FDIC certificate 1980), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $218.1M, up 5.3% from Q2 2025, the 18th largest of 35 banks headquartered in Montana. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.49% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1980
- Headquarters
- Kalispell, MT
- Established
- 1911
- Total assets, Q2 2026
- $218.1M
- Assets vs Q2 2025
- +5.3%
- Tier 1 leverage ratio, Q2 2026
- 9.49%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 092902297
- Latest call report
- Q2 2026, FFIEC 051 · Valley Bank of Kalispell call report
- Holding company
- VALLEY BANCSHARES, INC.
- Asset rank in state
- 18th of 35 in Montana
Valley Bank of Kalispell is one of the more profitable banks of its size. Its balance sheet stood at $218 million at June 30, 2026, up 5.3% from a year earlier; it is based in Kalispell, Montana. It returns 21.2% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it funds 9.49% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%). Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $954,000, 60% above the same quarter a year earlier. Its $26 million commercial and industrial book is improving, with 1.89% past due or on nonaccrual, down from 3.23% a year earlier.
As of June 30, 2026, Valley Bank of Kalispell reported a return on assets of 1.76%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 2.50%. The figures come from its call report filed with the FFIEC.
Valley Bank of Kalispell ranks as the 18th largest of the 35 banks based in Montana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.5% to $218.1M, loans rose 2.8% and deposits rose 3.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.3% of total loans, ahead of construction and land development loans at 17.1%. The FDIC Summary of Deposits lists 3 offices for it, in Kalispell, MT and Eureka, MT; its Kalispell 2 offices book 96% of its branch deposits. On its Q2 2026 call report, Valley Bank of Kalispell meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 41 3rd St W, Kalispell, MT 59901
- County
- Flathead
- Metro Area
- Kalispell, MT
- 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
- July 1, 1911
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $198.6M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- -$53K
- Average total assets
- $216.9M
- Average total loans
- $146.9M
- Average interest-bearing deposits
- $147.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1980
- Fed RSSD
- 473257
- Website
- www.valleybankmt.com →
- Parent Holding Company
- VALLEY BANCSHARES, INC. (RSSD 1125900)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Valley Bank of Kalispell reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Valley Bank of Kalispell's total assets ranged from $191.3M (Q4 2023) to $218.1M (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
$218.1M total assets against $207.2M; $199.5M total liabilities against $190.9M.
$148.2M net loans and leases against $139.8M; $198.6M total deposits against $189.9M.
$53.4M securities against $51.5M; $13.1M cash and balances due against $12.2M.
$3.3M total interest income against $2.9M; $913K total interest expense against $1.0M.
$2.4M net interest income against $1.9M.
$285K total noninterest income against $248K; $1.4M total noninterest expense against $1.4M.
No provision recorded in the last 12 quarters.
$954K net income against $596K.
1.76% return on assets against 1.20%; 4.49% net interest margin against 3.90%.
9.49% tier 1 leverage ratio against 9.86%.
Inside the full Valley Bank of Kalispell terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeValley Bank of Kalispell rankings
Its closest position to the top of a national ranking is 799 of 3,611, for ROA; its furthest is 2,859 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.94% (Q3 2024) to 1.76% (Q2 2026) and its net interest margin ran from 3.31% (Q3 2024) to 4.49% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.49% | 1.76% | 0.35% | 2.50% | 4.49% |
| Q1 2026 | 9.33% | 1.72% | 0.28% | 2.11% | 4.43% |
| Q4 2025 | 9.24% | 1.58% | 0.39% | 2.76% | 4.07% |
| Q3 2025 | 9.83% | 1.37% | 0.58% | 4.21% | 3.96% |
| Q2 2025 | 9.86% | 1.20% | 0.60% | 4.64% | 3.90% |
| Q1 2025 | 9.68% | 0.96% | 0.26% | 2.07% | 3.67% |
| Q4 2024 | 9.41% | 1.11% | 0.27% | 2.12% | 3.41% |
| Q3 2024 | 8.93% | 0.94% | 0.27% | 2.08% | 3.31% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Valley Bank of Kalispell (main office) | Kalispell , MT | 59901 | $190.3M |
| Valley Bank of Eureka Branch | Eureka , MT | 59917 | $8.2M |
| Detached Facility | Kalispell , MT | 59901 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MT, rank 22 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Valley Bank of Kalispell
What are Valley Bank of Kalispell's total assets?
As of the Q2 2026 filing, Valley Bank of Kalispell reported total assets of $218.1 million in its FFIEC call report.
Where is Valley Bank of Kalispell headquartered?
It is headquartered in Kalispell, MT, United States.
When was Valley Bank of Kalispell founded?
It was established in 1911, per the FDIC institution directory.
Is Valley Bank of Kalispell FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Valley Bank of Kalispell?
Valley Bank of Kalispell's primary federal regulator is the FDIC.
How many branches does Valley Bank of Kalispell operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Valley Bank of Kalispell's Texas Ratio?
Its Texas Ratio is 2.50% 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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