Headquartered in Belt, Montana, Belt Valley Bank is a state-chartered bank (fed member) with $89.9M in total assets and $74.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1936.
Belt Valley Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 546 banks with under $100 million in assets. Among 35 banks headquartered in Montana, it ranks 26th. Earnings contributes the most (100/100, 2.01%); loan quality contributes the least (0/100, 3.85%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 26 points (91 → 65), mostly because the loan quality component weakened by 91 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 86 |
| Q4 2024 | 85 |
| Q1 2025 | 92 |
| Q2 2025 | 91 |
| Q3 2025 | 79 |
| Q4 2025 | 79 |
| Q1 2026 | 62 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.63% |
| Q3 2024 | 15.36% |
| Q4 2024 | 15.26% |
| Q1 2025 | 15.43% |
| Q2 2025 | 16.00% |
| Q3 2025 | 16.19% |
| Q4 2025 | 14.65% |
| Q1 2026 | 14.22% |
| Q2 2026 | 14.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.28% |
| Q3 2025 | 1.48% |
| Q4 2025 | 1.33% |
| Q1 2026 | 4.51% |
| Q2 2026 | 3.85% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.93% |
| Q3 2024 | 1.81% |
| Q4 2024 | 1.64% |
| Q1 2025 | 2.07% |
| Q2 2025 | 2.05% |
| Q3 2025 | 2.04% |
| Q4 2025 | 1.66% |
| Q1 2026 | 1.83% |
| Q2 2026 | 2.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $89.9M | 14.83% | 3.85% | 2.01% | 98.7% |
| Q1 2026 | 62 | $90.2M | 14.22% | 4.51% | 1.83% | 91.2% |
| Q4 2025 | 79 | $88.6M | 14.65% | 1.33% | 1.66% | 96.7% |
| Q3 2025 | 79 | $82.9M | 16.19% | 1.48% | 2.04% | 108.9% |
| Q2 2025 | 91 | $81.3M | 16.00% | 0.28% | 2.05% | 105.7% |
| Q1 2025 | 92 | $81.3M | 15.43% | 0.25% | 2.07% | 101.0% |
| Q4 2024 | 85 | $84.7M | 15.26% | 0.65% | 1.64% | 97.9% |
| Q3 2024 | 86 | $87.1M | 15.36% | 0.64% | 1.81% | 105.9% |
| Q2 2024 | 86 | $82.7M | 15.63% | 0.65% | 1.93% | 110.7% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Security Bank of RoundupBank Roundup, MT | 66 out of 100, Moderate | $94.5M | 13.4% | 5.35% | vs |
| First Security Bank of Deer LodgeBank Deer Lodge, MT | 77 out of 100, Strong | $81.1M | 10.0% | 0.00% | vs |
| Peoples Bank of Deer LodgeBank Deer Lodge, MT | 62 out of 100, Moderate | $50.8M | 10.5% | 2.01% | vs |
| Davidson Trust Co.Bank Great Falls, MT | 94 out of 100, Very strong | $13.2M | 75.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Belt Valley Bank?
Yes. Belt Valley Bank is an FDIC-insured institution (FDIC certificate #15362). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.5% of deposits ($5.5M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Belt Valley Bank lists 1 office in 1 city. Most locations:
- Belt, MT (1)
HMDA 2025
Mortgage lending
In 2025, Belt Valley Bank reported 50 home-loan applications under HMDA (LEI 549300JT42BMO3B8DD11): 40 originated ($7,350,000 total), 9 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Belt Valley Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 15362
- RSSD ID
- 223751
- Primary regulator
- FED
- Established
- March 14, 1936
- Headquarters
- 111 Castner St, Belt, MT 59412
- Website
- www.beltvalleybank.com
- Employees
- 13
Quick answers
Belt Valley Bank: common questions
Is Belt Valley Bank FDIC insured?
Yes. Belt Valley Bank is an FDIC-insured institution (FDIC certificate #15362). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Belt Valley Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Belt Valley Bank ever failed?
There is no failure record for FDIC certificate #15362 in the FDIC failed bank list.
How many branches does Belt Valley Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Belt
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Davidson Trust Co.Bank Great Falls, MT | 94 out of 100, Very strong | $13.2M | 75.9% | 0.00% | vs |
| 1st Liberty Federal Credit UnionCredit union Great Falls, MT | 84 out of 100, Strong | $214.2M | 14.4% | 0.28% | vs |
| Independence BankBank Havre, MT | 84 out of 100, Strong | $1.4B | 13.4% | 0.46% | vs |
| Montana Federal Credit UnionCredit union Great Falls, MT | 79 out of 100, Strong | $361.5M | 12.5% | 0.26% | vs |
| Weld Community Credit UnionCredit union Greeley, CO | 78 out of 100, Strong | $109.6M | 11.3% | 0.16% | vs |
| Clearwater Federal Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $1.2B | 12.8% | 0.67% | vs |