Valley Bank of Kalispell: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 3.67 percentage points in Q2 2026, from 178.10% to 174.43%. It was the largest change from Q1 2026 among the key lines here. Valley Bank of Kalispell ranks 19th of 35 Montana banks on loan-to-deposit ratio, in the lower half at 75.75% (Q2 2026). Valley Bank of Kalispell reported 75.75% on loan-to-deposit ratio for Q2 2026, 5.08 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.4M |
| Net loans and leases | $148.2M |
| Loans held for sale | $0 |
| Loans to total assets | 68.96% |
| Loan-to-deposit ratio | 75.75% |
| Net loans to equity capital | 7.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.36% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.04% |
| Consumer | 5.74% |
| Credit cards | 0.00% |
| Farm | 1.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 174.43% |
| Construction concentration (Tier 1 capital + allowance) | 113.11% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.36% |
| Interest income on loans | $2.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $130.6M | $183.8M | 24.18% | 15.76% | 7.35% |
| Q4 2023 | $127.9M | $175.8M | 25.65% | 15.63% | 8.20% |
| Q1 2024 | $131.9M | $178.6M | 24.87% | 15.20% | 10.08% |
| Q2 2024 | $142.3M | $179.5M | 25.53% | 15.08% | 9.11% |
| Q3 2024 | $136.8M | $183.5M | 24.46% | 14.94% | 7.57% |
| Q4 2024 | $134.1M | $187.1M | 25.08% | 13.55% | 7.91% |
| Q1 2025 | $136.1M | $179.1M | 23.95% | 15.33% | 7.91% |
| Q2 2025 | $141.9M | $189.9M | 24.56% | 17.21% | 7.53% |
| Q3 2025 | $141.5M | $189.1M | 23.05% | 14.91% | 7.30% |
| Q4 2025 | $145.7M | $186.3M | 23.88% | 14.17% | 6.79% |
| Q1 2026 | $146.4M | $192.1M | 24.18% | 14.58% | 6.14% |
| Q2 2026 | $150.4M | $198.6M | 24.36% | 17.04% | 5.74% |
Valley Bank of Kalispell loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Bank of Kalispell, freeSource: Call Report Schedule RC-C, 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 Valley Bank of Kalispell profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1980) · FFIEC NIC profile (RSSD 473257)