BlastPoint's Banking Scorecard
Valley Bank of Ronan
Micro
Specialty: Commercial
MT
FDIC cert 24966
Designations: ✓ Community bank
Ronan, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Valley Bank of Ronan shows strong momentum with 1 strength and 10.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.20% 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 ? |
$203.4M
+10.0% YoY
+2.5% QoQ
|
-$14.1M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$136.8M
+9.0% YoY
-1.0% QoQ
|
-$2.3M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$183.9M
+10.1% YoY
+2.8% QoQ
|
+$235K |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
1.14%
-2.0% YoY
+1.2% QoQ
|
+0.06% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
4.83%
+0.2% YoY
+0.2% QoQ
|
+0.98% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
68.52%
-0.8% YoY
+2.0% QoQ
|
+0.79% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.30%
-2.9% YoY
+0.0% QoQ
|
-0.34% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
74.41%
-1.0% YoY
-3.7% QoQ
|
-0.12% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
39.60%
-11.9% YoY
-6.2% QoQ
|
+17.20% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.21%
-3.8% YoY
-3.4% QoQ
|
-0.25% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
13.94%
+3.0% YoY
+0.3% QoQ
|
+5.09% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.45%
-6.2% YoY
+29.4% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
39.60%
(Tier avg: 22.39%, National avg: 21.79%)
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
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.60% · Tier avg: 22.39%
87
87th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.85%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.94% · Tier avg: 8.85%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
56
56th pctile
Total Loans
Current: $136.8M · Tier avg: $139.2M
55
55th pctile
Total Deposits
Current: $183.9M · Tier avg: $183.7M
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.41% · Tier avg: 74.53%
53
53th pctile
Total Assets
Current: $203.4M · Tier avg: $217.5M
44
44th pctile
Efficiency Ratio
Current: 68.52% · Tier avg: 67.73%
Top Weaknesses
44
44th pctile
Efficiency Ratio
Current: 68.52% · Tier avg: 67.73%
53
53th pctile
Total Assets
Current: $203.4M · Tier avg: $217.5M
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.41% · Tier avg: 74.53%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
55
55th pctile
Total Deposits
Current: $183.9M · Tier avg: $183.7M
56
56th pctile
Total Loans
Current: $136.8M · Tier avg: $139.2M
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.94% · Tier avg: 8.85%
87
87th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.60% · Tier avg: 22.39%