Valley Bank of Kalispell: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Valley Bank of Kalispell of Kalispell, MT against its peer group of 2603 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 | 1.76% | 1.34% | +0.42% | 77th top |
| ROAE | 21.21% | 13.32% | +7.89% | 90th top |
| Net Interest Margin | 4.49% | 3.93% | +0.56% | 79th top |
| Efficiency Ratio | 51.02% | 61.13% | -10.11% | 79th top |
| PPNR / Avg Assets | 2.36% | 1.68% | +0.68% | 86th top |
| Yield on Earning Assets | 6.22% | 5.67% | +0.55% | 78th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.88% | -0.06% | 49th below |
| Net Interest Spread | 3.64% | 3.32% | +0.32% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.94% | -0.69% | 61st above |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 62nd above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 78th top |
| ACL / Total Loans | 1.45% | 1.28% | +0.17% | 75th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 581.82% | 1546.34% | -964.52% | 74th above |
| Texas Ratio | 2.50% | 7.34% | -4.84% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.49% | 12.14% | -2.65% | 21st bottom |
| Equity / Assets | 8.52% | 11.37% | -2.85% | 20th bottom |
| TCE / Tangible Assets | 8.52% | 11.08% | -2.56% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.75% | 80.66% | -4.91% | 60th above |
| Core Deposit Ratio | 85.78% | 86.85% | -1.07% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.26% | 6.84% | -1.58% | 57th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.02% | 7.92% | -1.90% | 54th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.55% | 6.29% | -1.74% | 54th above |
See Valley Bank of Kalispell's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Valley Bank of Kalispell, 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 Valley Bank of Kalispell profile, how to read a UBPR, or how this data updates.