Valley Bank of Ronan: 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.
Loans held for sale climbed 27.5% in Q2 2026, from $1.6M to $2.0M. It was the largest change from Q1 2026 among the key lines here. Within Montana, Valley Bank of Ronan is 17th of 35 on loan-to-deposit ratio, 76.09% as of Q2 2026, above the middle of the field. Valley Bank of Ronan reported 76.09% on loan-to-deposit ratio for Q2 2026, 4.75 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 | $148.1M |
| Loans held for sale | $2.0M |
| Loans to total assets | 68.97% |
| Loan-to-deposit ratio | 76.09% |
| Net loans to equity capital | 7.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.01% |
| Multifamily (5+ residential) | 0.37% |
| Commercial and industrial | 14.65% |
| Consumer | 5.71% |
| Credit cards | 0.00% |
| Farm | 6.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 121.31% |
| Construction concentration (Tier 1 capital + allowance) | 76.87% |
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 | 6.78% |
| Interest income on loans | $2.5M |
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 | $117.1M | $147.5M | 20.23% | 14.67% | 8.39% |
| Q4 2023 | $117.6M | $153.3M | 19.85% | 13.68% | 8.63% |
| Q1 2024 | $120.4M | $153.0M | 19.43% | 13.23% | 8.15% |
| Q2 2024 | $124.2M | $152.5M | 19.69% | 13.54% | 7.65% |
| Q3 2024 | $128.7M | $156.2M | 19.78% | 13.41% | 7.34% |
| Q4 2024 | $127.7M | $167.0M | 20.81% | 13.38% | 7.11% |
| Q1 2025 | $131.5M | $170.8M | 20.02% | 13.12% | 6.67% |
| Q2 2025 | $134.3M | $172.3M | 20.05% | 13.32% | 6.41% |
| Q3 2025 | $140.5M | $178.9M | 19.42% | 14.99% | 6.06% |
| Q4 2025 | $139.1M | $183.9M | 19.50% | 15.24% | 6.14% |
| Q1 2026 | $144.3M | $189.8M | 19.39% | 15.49% | 5.90% |
| Q2 2026 | $150.4M | $197.6M | 20.01% | 14.65% | 5.71% |
Valley Bank of Ronan loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Bank of Ronan, 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 Ronan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24966) · FFIEC NIC profile (RSSD 624956)