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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 1980 · MT B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #3047/4307
  • PHOTO-FINISH Bank of Crocker · MO
  • TIER1-ADEQ 9.2% Tier 1
  • TEXAS-CLEAN 2.8% Texas
  • ROA-STRONG 1.29% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Montana: Bank of Crocker, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Valley Bank of Kalispell

Lowest and highest poles plus nearest scored peers outside Montana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Crocker · MO · near70/100Community State Bank · IN · …70/100Farmers and Merchant… · MD ·…70/100The First National B… · NV ·…70/100Valley Bank of Kalis… · MT ·…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Valley Bank of Kalispell · July 2026

Plate reading for Valley Bank of Kalispell where failures stay rare

Valley Bank of Kalispell (FDIC Cert #1980) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,047 of 4,307. Tier 1 capital prints at 9.24%, missing the 10% well-capitalized line. The Texas Ratio is 2.76%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.29%. Balance-sheet scale is $206M, 2,968th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Crocker (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Valley Bank of Kalispell

Zero FAILURE resolutions in Montana since 2000

Valley Bank of Kalispell is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • Q BANK FORT BENTON, MT 1998 → HERITAGE STATE BANK
  • FIRST SECURITY BANK OF ANACONDA ANACONDA, MT 1992 → BANK OF MONTANA ANACONDA
  • TREASURE STATE BANK GLASGOW, MT 1989 → VALLEY BANK OF GLASGOW

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Montana banks.

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.

0/100100/100National avg77/10070/100
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 Assets

$206M

Total balance-sheet footings

Total Deposits

$186M

Customer-funded liabilities

Net Loans

$144M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.84% 9.24% 10.64%
Basel III capital ratios - Valley Bank of Kalispell

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 29th percentile higher than 29% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Valley Bank of Kalispell 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: Valley Bank of Kalispell

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

What these ratios mean →

Earnings posture at Valley Bank of Kalispell

Return on Assets (ROA)
63rd percentile nationally
1.29%
Return on Equity (ROE)
15.92%
Efficiency Ratio
53.44%

What these mean →

Income & expense at Valley Bank of Kalispell

$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.

FDIC Failed Bank List → View Valley Bank of Kalispell on FDIC BankFind →

Top banks in Montana by total assets

Largest banks headquartered in Montana
  1. 1
    Glacier Bank $32.0B

    Kalispell, MT · Grade B

  2. 2
    First Interstate Bank $26.6B

    Billings, MT · Grade A

  3. 3
    Stockman Bank of Montana $7.6B

    Miles City, MT · Grade A

  4. 4
    Opportunity Bank of Montana $2.1B

    Helena, MT · Grade B

  5. 5
    The Yellowstone Bank $1.4B

    Laurel, MT · Grade A

Top 5 banks in Montana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($206M here), outside Montana so the neighborhood is not state containment.

Commonwealth Co-operative Bank $205M · MA Wadena State Bank $206M · MN Horizon Financial Bank $206M · ND South Central State Bank $205M · NE

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.

Valley Bank of Kalispell Call Report profile · FDIC Failed Bank List · Montana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Montana

All Montana banks →
BankAssetsGradeROA
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%