Valley Bank of Kalispell: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 31.19 percentage points higher than in Q1 2026, at 581.82%. Within Montana, Valley Bank of Kalispell is 14th of 35 on return on assets, 1.76% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Valley Bank of Kalispell sits 0.51 points higher, at 1.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.49% |
| Equity capital to assets | 8.52% |
| Tangible equity to tangible assets | 8.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.50% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 581.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.76% |
| Return on equity | 21.21% |
| Net interest margin | 4.49% |
| Efficiency ratio | 51.02% |
| Yield on earning assets | 6.22% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.75% |
| Core deposits to total deposits | 85.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.03% |
| Securities to assets | 24.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.56% | 1.26% | 3.50% | 0.62% | 0.02% |
| Q4 2023 | 9.63% | 1.45% | 3.94% | 0.45% | -0.28% |
| Q1 2024 | 9.37% | 0.99% | 3.49% | 0.30% | -0.03% |
| Q2 2024 | 9.17% | 0.74% | 3.33% | 0.61% | 0.00% |
| Q3 2024 | 8.93% | 0.94% | 3.31% | 0.27% | 0.00% |
| Q4 2024 | 9.41% | 1.11% | 3.41% | 0.27% | 0.00% |
| Q1 2025 | 9.68% | 0.96% | 3.67% | 0.26% | 0.00% |
| Q2 2025 | 9.86% | 1.20% | 3.90% | 0.60% | 0.02% |
| Q3 2025 | 9.83% | 1.37% | 3.96% | 0.58% | -0.09% |
| Q4 2025 | 9.24% | 1.58% | 4.07% | 0.28% | 0.00% |
| Q1 2026 | 9.33% | 1.72% | 4.43% | 0.27% | -0.14% |
| Q2 2026 | 9.49% | 1.76% | 4.49% | 0.25% | -0.00% |
Valley Bank of Kalispell vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Bank of Kalispell, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)