Valley Bank of Kalispell: how it compares with its peers
Against 15 MT banks with half to twice its assets, Valley Bank of Kalispell's strongest measure in Q2 2026 is net interest margin (4.47% vs. a 4.13% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $7.3M).
| Measure | Valley Bank of Kalispell | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.76% | 1.41% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.47% | 4.13% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.29% | 56.38% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $7.3M | Middle third Ahead of 47% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.66% | 62.98% | Context |
What it means for lending operations
Its efficiency ratio of 51.29% is better than the 56.38% 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
- Valley Bank of Ronan Ronan, MT · $218M
- The First State Bank of Malta Malta, MT · $190M
- Eagle Bank Polson, MT · $180M
- The First State Bank of Shelby Shelby, MT · $176M
- Madison Valley Bank Ennis, MT · $264M
- First State Bank of Forsyth Forsyth, MT · $166M
Questions about Valley Bank of Kalispell
How big is Valley Bank of Kalispell?
Valley Bank of Kalispell, established in 1911, is headquartered in Kalispell, MT. It reported $218M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Valley Bank of Kalispell's return on assets?
1.76% annualized in Q2 2026, against a 1.41% median for 15 MT banks with half to twice its assets, ahead of 67% of them.
What is Valley Bank of Kalispell's efficiency ratio?
51.29% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 56.38%, and lower is better.
Is Valley Bank of Kalispell growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits grew 4.6%.
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.