BlastPoint's Banking Scorecard
Valley Bank of Kalispell
Micro
Specialty: Commercial
MT
FDIC cert 1980
Designations: ✓ Community bank
Kalispell, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Valley Bank of Kalispell demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.39% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$205.6M
+1.1% YoY
-1.0% QoQ
|
-$11.9M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$143.6M
+8.8% YoY
+3.0% QoQ
|
+$4.4M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$186.3M
-0.4% YoY
-1.5% QoQ
|
+$2.6M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.29%
+34.6% YoY
+10.9% QoQ
|
+0.21% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.99%
+12.8% YoY
+3.1% QoQ
|
+0.14% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
53.44%
-19.9% YoY
-14.7% QoQ
|
-14.28% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.39%
+41.5% YoY
-33.5% QoQ
|
-0.25% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
77.08%
+9.3% YoY
+4.6% QoQ
|
+2.55% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
26.93%
-4.9% YoY
-1.3% QoQ
|
+4.53% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.27%
+52.2% YoY
-30.8% QoQ
|
-0.18% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
50% |
| 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 ? |
0.95%
+126.7% YoY
+188.8% QoQ
|
+0.39% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.95%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%
84
84th pctile
Efficiency Ratio
Current: 53.44% · Tier avg: 67.73%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.93% · Tier avg: 22.39%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
58
58th pctile
Total Loans
Current: $143.6M · Tier avg: $139.2M
58
58th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.85%
56
56th pctile
Total Deposits
Current: $186.3M · Tier avg: $183.7M
53
53th pctile
Total Assets
Current: $205.6M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.45%
48
48th pctile
Loan-to-Deposit Ratio
Current: 77.08% · Tier avg: 74.53%
Top Weaknesses
48
48th pctile
Loan-to-Deposit Ratio
Current: 77.08% · Tier avg: 74.53%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.45%
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Assets
Current: $205.6M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $186.3M · Tier avg: $183.7M
58
58th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.85%
58
58th pctile
Total Loans
Current: $143.6M · Tier avg: $139.2M
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.93% · Tier avg: 22.39%
84
84th pctile
Efficiency Ratio
Current: 53.44% · Tier avg: 67.73%
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%