Valley Bank of Ronan
Total assets
$218.1M
▲ +14.1% YoY
Deposits
$197.6M
▲ +14.7% YoY
Loans
$148.1M
▲ +12.1% YoY
Offices
7
VALLEY HOLDING CO
ROA (annualized)
0.83%
peers 1.24%
ROE (annualized)
8.89%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Valley Bank of Ronan | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.1% | +4.4% | +9.8 pts |
| Deposit growth (YoY) | +14.7% | +4.0% | +10.8 pts |
| Loan growth (YoY) | +12.1% | +5.6% | +6.6 pts |
| ROA | 0.83% | 1.24% | -0.4 pts |
| ROE | 8.9% | 11.9% | -3.0 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
Profile
- Established
- 1984
- Charter
- State
- Primary regulator
- FED
- Holding company
- VALLEY HOLDING CO
- Specialization
- Commercial Lending Specialization
- Address
- 63659 Us Highway 93, Ronan, MT, 59864
- County
- Lake
- Offices
- 7
- FDIC cert #
- 24966
- RSSD ID
- 624956
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $218.1M | $197.6M | $148.1M | $20.1M | $874K | 0.83% | 4.47% | 0.18% |
| Q1 2026 | $209.9M | $189.8M | $142.0M | $19.6M | $389K | 0.75% | 4.41% | 0.22% |
| Q4 2025 | $203.4M | $183.9M | $136.8M | $19.2M | $2.2M | 1.14% | 4.83% | 0.20% |
| Q3 2025 | $198.3M | $178.9M | $138.2M | $19.2M | $1.6M | 1.13% | 4.82% | 0.21% |
| Q2 2025 | $191.0M | $172.3M | $132.1M | $18.5M | $954K | 1.01% | 4.58% | 0.28% |
| Q1 2025 | $189.3M | $170.8M | $129.3M | $18.1M | $486K | 1.04% | 4.51% | 0.24% |
| Q4 2024 | $184.8M | $167.0M | $125.5M | $17.6M | $2.0M | 1.17% | 4.82% | 0.21% |
| Q3 2024 | $173.9M | $156.2M | $126.6M | $17.5M | $1.5M | 1.16% | 4.84% | 0.28% |
Loan mix (Q2 2026): real estate $104.7M · commercial $22.0M · consumer $8.6M · securities $22.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Valley Bank of Ronan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.96% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 62.9% | 75th | |
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% |
Balance sheet
| Ratio | Valley Bank of Ronan | 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% |
Capital
| Ratio | Valley Bank of Ronan | 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% |
Credit quality
| Ratio | Valley Bank of Ronan | 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% |
Franchise
| Ratio | Valley Bank of Ronan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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