Valley Bank of Ronan: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Valley Bank of Ronan of Ronan, MT against its peer group of 2672 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 | 0.91% | 1.34% | -0.43% | 29th below |
| ROAE | 9.77% | 13.32% | -3.55% | 34th below |
| Net Interest Margin | 4.51% | 3.93% | +0.58% | 79th top |
| Efficiency Ratio | 72.92% | 61.14% | +11.78% | 23rd bottom |
| PPNR / Avg Assets | 1.23% | 1.68% | -0.45% | 30th below |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 1.40% | 1.88% | -0.48% | 75th top |
| Net Interest Spread | 3.55% | 3.32% | +0.23% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.01% | 0.94% | +0.07% | 28th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.69% | 0.70% | -0.01% | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.16% | -0.04% | 17th bottom |
| ACL / Total Loans | 1.53% | 1.28% | +0.25% | 80th top |
| ACL / NPLs (Coverage) | 151.95% | 1538.99% | -1387.04% | 40th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.79% | 7.33% | -0.54% | 32nd below |
| Provision / NCO | 133.33% | 1395.89% | -1262.56% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.81% | 19.50% | -6.69% | 25th below |
| Tier 1 Ratio | 12.81% | 19.54% | -6.73% | 25th below |
| Total Capital Ratio | 14.06% | 20.62% | -6.56% | 27th below |
| Leverage Ratio | 9.29% | 12.14% | -2.85% | 17th bottom |
| Equity / Assets | 9.22% | 11.37% | -2.15% | 31st below |
| TCE / Tangible Assets | 9.17% | 11.09% | -1.92% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.09% | 80.64% | -4.55% | 59th above |
| Core Deposit Ratio | 85.58% | 86.86% | -1.28% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.14% | 6.85% | +7.29% | 90th top |
| Loan Growth (Y/Y) | 11.97% | 7.90% | +4.07% | 79th top |
| Deposit Growth (Y/Y) | 14.73% | 6.29% | +8.44% | 91st top |
See Valley Bank of Ronan's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Valley Bank of Ronan, 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 Ronan profile, how to read a UBPR, or how this data updates.