Valley Bank of Ronan: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Valley Bank of Ronan is an FDIC-insured commercial bank. Earnings are mid-range, 0.91% ROA and a 4.51% net interest margin. Valley Bank of Ronan's Q2 2026 balance sheet shows $218M in assets funded primarily by $198M in customer deposits. Regulatory capital is solid, 12.81% CET1 and 14.06% total risk-based capital ratio. Asset quality is solid, 1.01% nonperforming loans and a 6.79% Texas Ratio. 7 branches make up the footprint.
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 1.01%, a Texas ratio of 6.79%, per financial data filed with the FFIEC.
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
- Offices
- 7 domestic
- Employees (FTE)
- 62
- Domestic deposits
- $197.6M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $45K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.81% | 0.91% | 1.01% | 6.79% | 4.51% |
| Q1 2026 | 13.59% | 0.76% | 1.09% | 7.23% | 4.41% |
| Q4 2025 | 13.94% | 1.16% | 1.03% | 6.71% | 4.75% |
| Q3 2025 | 13.90% | 1.36% | 1.14% | 7.51% | 5.26% |
| Q2 2025 | 13.76% | 0.99% | 1.27% | 8.26% | 4.60% |
| Q1 2025 | 13.40% | 1.05% | 1.22% | 7.96% | 4.53% |
| Q4 2024 | 13.54% | 1.21% | 1.21% | 7.91% | 4.80% |
| Q3 2024 | 11.38% | 1.03% | 1.32% | 8.74% | 4.76% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| 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
What the public regulatory sources show for Valley Bank of Ronan, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in MT, rank 23 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Valley Bank of Ronan headquartered?
Valley Bank of Ronan is headquartered in Ronan, MT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Valley Bank of Ronan founded?
Valley Bank of Ronan was established in 1984, per the FDIC institution directory.
Is Valley Bank of Ronan FDIC-insured?
Yes. Valley Bank of Ronan 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Valley Bank of Ronan's CET1 capital ratio?
Valley Bank of Ronan 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?
Valley Bank of Ronan 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?
Valley Bank of Ronan's Texas Ratio is 6.79% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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