Belt Valley Bank: how it compares with its peers
Against 13 MT banks with half to twice its assets, Belt Valley Bank's strongest measure in Q2 2026 is net interest margin (5.35% vs. a 4.38% peer median). Its weakest relative measure is assets per employee ($6.9M vs. $7.3M).
| Measure | Belt Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.01% | 1.52% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.35% | 4.38% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.41% | 56.09% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $7.3M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.67% | 74.22% | Context |
What it means for lending operations
Its efficiency ratio of 48.41% is better than the 56.09% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Security Bank of Roundup Roundup, MT · $95M
- First Security Bank of Deer Lodge Deer Lodge, MT · $81M
- Ascent Bank Helena, MT · $104M
- Garfield County Bank Jordan, MT · $108M
- Bank of Bozeman Bozeman, MT · $108M
- Peoples Bank of Deer Lodge Deer Lodge, MT · $51M
Questions about Belt Valley Bank
How big is Belt Valley Bank?
Belt Valley Bank, established in 1936, is headquartered in Belt, MT. It reported $90M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Belt Valley Bank's return on assets?
2.01% annualized in Q2 2026, against a 1.52% median for 13 MT banks with half to twice its assets, ahead of 69% of them.
What is Belt Valley Bank's efficiency ratio?
48.41% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 56.09%, and lower is better.
Is Belt Valley Bank growing its loans?
Net loans grew 4.1% over the year to Q2 2026, while deposits grew 11.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MT banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Montana bank ranked.