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Valley Bank Of Kalispell
Kalispell, MT · FDIC Certificate #1980 · Chartered 07/0
Total assets
$218.12M
Total deposits
$198.56M
Total equity
$18.59M
Net loans
$148.24M
Branches (offices)
3
Net income (YTD)
$1.86M
Rank: #2,872 of 4,213 U.S. banks by assets · #18 of 35 in Montana. Assets changed 5.3% and deposits 4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 20.52% |
| Net interest margin (YTD) | 4.47% |
| Equity to assets | 8.52% |
| Tier 1 leverage ratio | 9.49% |
| Uninsured deposits (share of deposits) | 36.1% |
| Noncurrent loans (share of loans) | 0.35% |
| Net charge-offs (share of loans) | -0.07% |
| Loans to deposits | 74.7% |
| Real estate loans (share of loans) | 76.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $112.89M | 76.2% | |
| Commercial & industrial | $25.63M | 17.3% | |
| Consumer / individual | $8.64M | 5.8% | |
| Construction & development | $25.75M | 17.4% | |
| Agricultural | $3.21M | 2.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $189.49M | $176.21M | $1.16M | $13.09M |
| Jun 2023 | $184.81M | $167.02M | $847.00K | $12.75M |
| Jun 2024 | $204.29M | $179.53M | $848.00K | $13.89M |
| Jun 2025 | $207.22M | $189.91M | $1.07M | $16.34M |
| Jun 2026 | $218.12M | $198.56M | $1.86M | $18.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $198.56M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $198.56M.
Similar-sized banks
Plaquemine Bank & Trust Company ($218.26M) · Valley Bank Of Ronan ($218.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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