Total Assets
$206M
Total balance-sheet footings
FDIC Cert #1980 · Kalispell, Montana · Est. 1911
Valley Bank of Kalispell - FDIC Bank Health Profile
A community-scale look at Valley Bank of Kalispell's own numbers, pulled straight from its quarterly FDIC Call Report.
- $206M
- Total assets
- B
- Health grade · Good
- 1.29%
- Return on assets
- 9.2%
- Tier 1 capital
Data updated July 2026
The verdict
Valley Bank of Kalispell earns a PlainBankData health grade of B (70/100), with 9.24% Tier 1 capital, profitable at 1.29% ROA, efficient (53% cost ratio).
- #2,968
- largest of 4,313 FDIC banks by assets
- 31st
- percentile by asset size, nationally
- 9.24%
- Tier 1 ratio - below the 10% well-capitalized line
- 63rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Valley Bank of Kalispell's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Valley Bank of Kalispell's composite health score
Tier 1 Capital Ratio (9.24%) 18/40
Return on Assets (ROA) (1.29%) 20/25
Texas Ratio (2.76%) 20/20
Efficiency Ratio (53.44%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$186M
Customer-funded liabilities
Net Loans
$144M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Valley Bank of Kalispell ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Valley Bank of Kalispell's score of 70/100 falls in the highlighted band.
Valley Bank of Kalispell's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Valley Bank of Kalispell's $206M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.24% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.24%
Texas Ratio
2.76%
Equity Capital
$18M
Profitability metrics
Return on Assets (ROA)
63rd percentile nationally
1.29%
Return on Equity (ROE)
15.92%
Efficiency Ratio
53.44%
What the numbers say about Valley Bank of Kalispell
Valley Bank of Kalispell is an FDIC-insured institution (Certificate #1980) headquartered in Kalispell, Montana, established in 1911. It holds $206M in total assets - 2,968th of 4,313 FDIC-insured banks, $186M in customer deposits, and $144M in net loans. Capital-wise, the Tier 1 ratio sits at 9.24%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 2.76%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Valley Bank of Kalispell sits 18th of 36 banks headquartered in Montana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$12M
Interest Income
$2M
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Valley Bank of Kalispell reports a Texas Ratio of 2.76% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.76% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Montana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Valley Bank of Kalispell (FDIC Cert #1980) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Montana
All Montana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Glacier BankKalispell | $32.0B | B | 0.90% |
| First Interstate BankBillings | $26.6B | A | 1.20% |
| Stockman Bank of MontanaMiles City | $7.6B | A | 1.87% |
| Opportunity Bank of MontanaHelena | $2.1B | B | 0.83% |
| The Yellowstone BankLaurel | $1.4B | A | 2.85% |
| Independence BankHavre | $1.3B | A | 1.57% |
| TrailWest BankLolo | $1.1B | A | 1.88% |
| Bank of Bridger, National AssociationBridger | $799M | A | 0.72% |
Frequently asked questions
What is Valley Bank of Kalispell's health grade?▼
Valley Bank of Kalispell receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Valley Bank of Kalispell?▼
Valley Bank of Kalispell holds $206M in total assets and $186M in deposits, ranking 2,968th of 4,313 FDIC-insured banks by asset size. It is headquartered in Kalispell, Montana.
Is my money safe at Valley Bank of Kalispell?▼
Yes, deposits at Valley Bank of Kalispell (Certificate #1980) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Valley Bank of Kalispell's Tier 1 Capital Ratio?▼
Valley Bank of Kalispell has a Tier 1 Capital Ratio of 9.24%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Valley Bank of Kalispell?▼
Valley Bank of Kalispell has a Texas Ratio of 2.76%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Valley Bank of Kalispell?▼
Valley Bank of Kalispell has an Efficiency Ratio of 53.44%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Valley Bank of Kalispell's profile as a depositor or analyst.
- Valley Bank of Kalispell's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Valley Bank of Kalispell against other Montana banks before moving funds. Montana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.