| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.5 pts |
| ROA | 1.76% | 1.24% | +0.5 pts |
| ROE | 20.5% | 11.9% | +8.7 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $218.1M | $198.6M | $148.2M | $18.6M | $1.9M | 1.76% | 4.47% | 0.24% |
| Q1 2026 | $210.8M | $192.1M | $144.2M | $17.4M | $903K | 1.73% | 4.45% | 0.20% |
| Q4 2025 | $205.6M | $186.3M | $143.6M | $18.3M | $2.6M | 1.29% | 3.99% | 0.27% |
| Q3 2025 | $207.7M | $189.1M | $139.4M | $17.5M | $1.8M | 1.16% | 3.87% | 0.40% |
| Q2 2025 | $207.2M | $189.9M | $139.8M | $16.3M | $1.1M | 1.06% | 3.79% | 0.41% |
| Q1 2025 | $195.3M | $179.1M | $134.0M | $15.2M | $472K | 0.95% | 3.70% | 0.18% |
| Q4 2024 | $203.3M | $187.1M | $132.0M | $15.3M | $1.9M | 0.96% | 3.54% | 0.18% |
| Q3 2024 | $200.2M | $183.5M | $134.7M | $15.7M | $1.3M | 0.90% | 3.52% | 0.18% |
Loan mix (Q2 2026): real estate $112.9M · commercial $25.6M · consumer $8.6M · securities $53.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Valley Bank of Kalispell | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 20.5% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.3% | 62.9% | 19th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Valley Bank of Kalispell | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Valley Bank of Kalispell | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Valley Bank of Kalispell | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Valley Bank of Kalispell | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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