BlastPoint's Banking Scorecard
Belt Valley Bank
Micro
Specialty: Commercial
MT
FDIC cert 15362
Designations: ✓ Community bank
Belt, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Belt Valley Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.65% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.6M
+4.6% YoY
+6.8% QoQ
|
-$128.9M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$71.0M
+3.3% YoY
-3.9% QoQ
|
-$68.1M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$73.4M
+4.5% YoY
+8.2% QoQ
|
-$110.2M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.66%
+1.5% YoY
-18.6% QoQ
|
+0.58% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
5.50%
+8.2% YoY
-0.2% QoQ
|
+1.65% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
55.16%
-0.6% YoY
+13.2% QoQ
|
-12.57% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
1.35%
+104.8% YoY
-9.9% QoQ
|
+0.71% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
96.71%
-1.2% YoY
-11.2% QoQ
|
+22.19% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.18%
+1.5% YoY
+1.4% QoQ
|
+3.79% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
1.08%
+102.1% YoY
-19.0% QoQ
|
+0.63% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
+0.9% YoY
+31.3% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.50%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Net Interest Margin
Current: 5.50% · Tier avg: 3.85%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
81
81th pctile
Efficiency Ratio
Current: 55.16% · Tier avg: 67.73%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.18% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Total Loans
Current: $71.0M · Tier avg: $139.2M
21
21th pctile
Delinquency Rate
Current: 1.35% · Tier avg: 0.64%
19
19th pctile
Total Assets
Current: $88.6M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $73.4M · Tier avg: $183.7M
18
18th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.45%
12
12th pctile
Loan-to-Deposit Ratio
Current: 96.71% · Tier avg: 74.53%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
12
12th pctile
Loan-to-Deposit Ratio
Current: 96.71% · Tier avg: 74.53%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.45%
19
19th pctile
Total Deposits
Current: $73.4M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $88.6M · Tier avg: $217.5M
21
21th pctile
Delinquency Rate
Current: 1.35% · Tier avg: 0.64%
29
29th pctile
Total Loans
Current: $71.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.18% · Tier avg: 22.39%
81
81th pctile
Efficiency Ratio
Current: 55.16% · Tier avg: 67.73%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
96
96th pctile
Net Interest Margin
Current: 5.50% · Tier avg: 3.85%