Valley Bank of Kalispell (FDIC certificate #1980) is based in Kalispell, Montana. Its Q2 2026 call report shows $218.1M in total assets and $198.6M in deposits and 3 offices.
Based on its Q2 2026 filing, Valley Bank of Kalispell scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 13th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is capital cushion (45/100; 9.49%).
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 rose 5 points (67 → 72), mostly because the earnings component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 66 |
| Q4 2024 | 68 |
| Q1 2025 | 68 |
| Q2 2025 | 67 |
| Q3 2025 | 67 |
| Q4 2025 | 68 |
| Q1 2026 | 73 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.17% |
| Q3 2024 | 8.93% |
| Q4 2024 | 9.41% |
| Q1 2025 | 9.68% |
| Q2 2025 | 9.86% |
| Q3 2025 | 9.83% |
| Q4 2025 | 9.24% |
| Q1 2026 | 9.33% |
| Q2 2026 | 9.49% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.61% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.28% |
| Q2 2026 | 0.35% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.85% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.96% |
| Q1 2025 | 0.95% |
| Q2 2025 | 1.06% |
| Q3 2025 | 1.16% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.73% |
| Q2 2026 | 1.76% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $218.1M | 9.49% | 0.35% | 1.76% | 74.7% |
| Q1 2026 | 73 | $210.8M | 9.33% | 0.28% | 1.73% | 75.1% |
| Q4 2025 | 68 | $205.6M | 9.24% | 0.39% | 1.29% | 77.1% |
| Q3 2025 | 67 | $207.7M | 9.83% | 0.58% | 1.16% | 73.7% |
| Q2 2025 | 67 | $207.2M | 9.86% | 0.60% | 1.06% | 73.6% |
| Q1 2025 | 68 | $195.3M | 9.68% | 0.26% | 0.95% | 74.8% |
| Q4 2024 | 68 | $203.3M | 9.41% | 0.27% | 0.96% | 70.6% |
| Q3 2024 | 66 | $200.2M | 8.93% | 0.27% | 0.90% | 73.4% |
| Q2 2024 | 63 | $204.3M | 9.17% | 0.61% | 0.85% | 78.1% |
2,650 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| Valley Bank of RonanBank Ronan, MT | 69 out of 100, Moderate | $218.1M | 9.3% | 0.26% | vs |
| The First State Bank of MaltaBank Malta, MT | 70 out of 100, Strong | $189.7M | 14.4% | 2.20% | vs |
| Eagle BankBank Polson, MT | 92 out of 100, Very strong | $179.5M | 13.0% | 0.00% | vs |
| The First State Bank of ShelbyBank Shelby, MT | 93 out of 100, Very strong | $175.6M | 19.4% | 0.00% | vs |
| Madison Valley BankBank Ennis, MT | 63 out of 100, Moderate | $263.7M | 9.2% | 1.27% | vs |
| First State Bank of ForsythBank Forsyth, MT | 71 out of 100, Strong | $165.5M | 12.1% | 1.69% | vs |
Deposit insurance
Is my money safe at Valley Bank of Kalispell?
Yes. Valley Bank of Kalispell is an FDIC-insured institution (FDIC certificate #1980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 36.1% of deposits ($71.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.49%, 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%).
3 locations
Branches
Valley Bank of Kalispell lists 2 offices in 2 cities. Most locations:
- Eureka, MT (1)
- Kalispell, MT (1)
Identity & history
Profile
- Legal name
- Valley Bank of Kalispell
- Former names
- The State Bank of Somers
- Type
- State-chartered bank
- FDIC certificate #
- 1980
- RSSD ID
- 473257
- Primary regulator
- FDIC
- Holding company
- Valley Bancshares Inc
- Established
- July 1, 1911
- Headquarters
- 41 3rd St W, Kalispell, MT 59901
- Website
- www.valleybankmt.com
- Employees
- 32
Quick answers
Valley Bank of Kalispell: common questions
Is Valley Bank of Kalispell FDIC insured?
Yes. Valley Bank of Kalispell is an FDIC-insured institution (FDIC certificate #1980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Valley Bank of Kalispell's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Valley Bank of Kalispell ever failed?
There is no failure record for FDIC certificate #1980 in the FDIC failed bank list.
How many branches does Valley Bank of Kalispell have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kalispell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American BankBank Bozeman, MT | 79 out of 100, Strong | $630.4M | 11.1% | 0.00% | vs |
| Freedom BankBank Columbia Falls, MT | 78 out of 100, Strong | $157.3M | 12.2% | 0.54% | vs |
| Whitefish Credit Union AssociationCredit union Whitefish, MT | 76 out of 100, Strong | $2.1B | 12.7% | 0.15% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Stockman Bank of MontanaBank Miles City, MT | 71 out of 100, Strong | $7.7B | 9.9% | 0.60% | vs |
| Three Rivers Bank of MontanaBank Kalispell, MT | 71 out of 100, Strong | $293.1M | 11.7% | 0.93% | vs |