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Valley Bank Of Ronan
Ronan, MT · FDIC Certificate #24966 · Chartered 02/2
Total assets
$218.06M
Total deposits
$197.64M
Total equity
$20.11M
Net loans
$148.09M
Branches (offices)
7
Net income (YTD)
$874.00K
Rank: #2,873 of 4,213 U.S. banks by assets · #19 of 35 in Montana. Assets changed 14.1% and deposits 14.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.83% |
| Return on equity | 8.89% |
| Net interest margin (YTD) | 4.47% |
| Equity to assets | 9.22% |
| Tier 1 leverage ratio | 9.29% |
| Uninsured deposits (share of deposits) | 12.6% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 74.9% |
| Real estate loans (share of loans) | 70.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $104.68M | 70.7% | |
| Commercial & industrial | $22.04M | 14.9% | |
| Consumer / individual | $8.58M | 5.8% | |
| Construction & development | $16.94M | 11.4% | |
| Agricultural | $10.36M | 7.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $169.45M | $155.10M | $672.00K | $14.20M |
| Jun 2023 | $160.89M | $143.38M | $972.00K | $15.39M |
| Jun 2024 | $169.78M | $152.47M | $1.04M | $17.05M |
| Jun 2025 | $191.04M | $172.27M | $954.00K | $18.52M |
| Jun 2026 | $218.06M | $197.64M | $874.00K | $20.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $197.64M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $197.64M.
Similar-sized banks
Valley Bank Of Kalispell ($218.12M) · Foundation Bank ($217.91M)
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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