Valley Bank of Ronan
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Data as of · sourced from FFIEC call reports. How we update
Valley Bank of Ronan is an FDIC-insured commercial bank headquartered in Ronan, MT, established in 1984 (FDIC certificate 24966), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $218.1M, up 14.1% from Q2 2025, the 19th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 12.81% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 24966
- Headquarters
- Ronan, MT
- Established
- 1984
- Total assets, Q2 2026
- $218.1M
- Assets vs Q2 2025
- +14.1%
- CET1 ratio, Q2 2026
- 12.81%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 092901599
- Latest call report
- Q2 2026, FFIEC 051 · Valley Bank of Ronan Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- VALLEY HOLDING COMPANY
- Asset rank in state
- 19th of 35 in Montana
Valley Bank of Ronan, based in Ronan, Montana, reported $218 million in assets at June 30, 2026, up 14.1% from a year earlier. It grew deposits 14.7% over the year, 3.6 times the median of 4.1% for the 2,627 banks with $100 million to $1 billion in assets. It also funds 9.29% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Its $22 million commercial and industrial book is improving, with 0.13% past due or on nonaccrual, down from 2.28% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.26% of loans, down from 0.40% a year earlier. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Valley Bank of Ronan reported a CET1 capital ratio of 12.81%, a return on assets of 0.91%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.77%. The figures come from its call report filed with the FFIEC.
Valley Bank of Ronan ranks as the 19th 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 3.9% to $218.1M, loans rose 4.2% and deposits rose 4.1%. 1-4 family residential loans made up 31.2% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 14.7%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in MT; its Ronan office books 38% of its branch deposits. By the capital ratios in its Q2 2026 call report, Valley Bank of Ronan meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 63659 Us Highway 93, Ronan, MT 59864
- County
- Lake
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 21, 1984
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $197.6M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $45K
- Average total assets
- $212.7M
- Average total loans
- $147.8M
- Average interest-bearing deposits
- $120.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 21, 1984
- FDIC Cert
- 24966
- Fed RSSD
- 624956
- Website
- www.valleybankronan.com →
- Parent Holding Company
- VALLEY HOLDING COMPANY (RSSD 1141580)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Valley Bank of Ronan's total assets ranged from $165.1M (Q3 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 $191.0M; $198.0M total liabilities against $172.5M.
$148.1M net loans and leases against $132.1M; $197.6M total deposits against $172.3M.
$22.5M securities against $23.1M; $39.9M cash and balances due against $28.5M.
$3.0M total interest income against $2.6M; $685K total interest expense against $560K.
$2.3M net interest income against $2.0M.
$227K total noninterest income against $232K; $1.8M total noninterest expense against $1.6M.
$30K provision for credit losses against $30K.
$485K net income against $468K.
0.91% return on assets against 0.99%; 4.51% net interest margin against 4.60%.
12.81% CET1 capital ratio against 13.76%; 9.29% tier 1 leverage ratio against 9.57%.
Inside the full Valley Bank of Ronan terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeValley Bank of Ronan rankings
Its closest position to the top of a national ranking is 2,350 of 3,640, for Texas Ratio; its furthest is 2,940 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.76% (Q1 2026) to 1.36% (Q3 2025) and its net interest margin ran from 4.41% (Q1 2026) to 5.26% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.81% | 0.91% | 0.26% | 1.77% | 4.51% |
| Q1 2026 | 13.59% | 0.76% | 0.32% | 2.13% | 4.41% |
| Q4 2025 | 13.94% | 1.16% | 0.30% | 1.95% | 4.75% |
| Q3 2025 | 13.90% | 1.36% | 0.30% | 1.97% | 5.26% |
| Q2 2025 | 13.76% | 0.99% | 0.40% | 2.63% | 4.60% |
| Q1 2025 | 13.40% | 1.05% | 0.34% | 2.23% | 4.53% |
| Q4 2024 | 13.54% | 1.21% | 0.31% | 2.01% | 4.80% |
| Q3 2024 | 11.38% | 1.03% | 0.37% | 2.47% | 4.76% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 Ronan (main office) | Ronan , MT | 59864 | $75.4M |
| Lake County Bank Branch | Saint Ignatius , MT | 59865 | $42.2M |
| Polson Branch | Polson , MT | 59860 | $30.3M |
| Hot Springs Branch | Hot Springs , MT | 59845 | $17.2M |
| Arlee Branch | Arlee , MT | 59821 | $16.2M |
| Thompson Falls Branch | Thompson Falls , MT | 59873 | $12.5M |
| Plains Mcgowan's Office Branch | Plains , MT | 59859 | $3.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 11, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 11, 2015 | Structure Change | Acquired Lake County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MT, rank 23 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $3.2M approved, $804K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Ronan
What are Valley Bank of Ronan's total assets?
As of the Q2 2026 filing, Valley Bank of Ronan reported total assets of $218.1 million in its FFIEC call report.
Where is Valley Bank of Ronan headquartered?
It is headquartered in Ronan, MT, United States.
When was Valley Bank of Ronan founded?
It was established in 1984, per the FDIC institution directory.
Is Valley Bank of Ronan FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24966). 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 Ronan?
Valley Bank of Ronan's primary federal regulator is the Federal Reserve.
What is Valley Bank of Ronan's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.81% in its Q2 2026 call report, above regulatory requirements.
How many branches does Valley Bank of Ronan operate?
It operates 7 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 Ronan's Texas Ratio?
Its Texas Ratio is 1.77% 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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