TellerScore

Valley Bank of Ronan (FDIC certificate #24966) is based in Ronan, Montana. Its Q2 2026 call report shows $218.1M in total assets and $197.6M in deposits and 7 offices.

Valley Bank of Ronan has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 21st. Problem-loan coverage contributes the most (96/100, 1.8%); capital cushion contributes the least (43/100, 9.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.29%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.26%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 74.9% · 12.6% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.76%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 69).

TellerScore
687072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202472
Q3 202471
Q4 202472
Q1 202571
Q2 202570
Q3 202571
Q4 202571
Q1 202668
Q2 202669
Tier 1 leverage ratio
5.00%7.45%9.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.76%
Q3 20249.91%
Q4 20249.57%
Q1 20259.52%
Q2 20259.57%
Q3 20259.58%
Q4 20259.23%
Q1 20269.36%
Q2 20269.29%
Noncurrent loans
0.26%0.33%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.36%
Q3 20240.37%
Q4 20240.31%
Q1 20250.34%
Q2 20250.40%
Q3 20250.30%
Q4 20250.30%
Q1 20260.32%
Q2 20260.26%
Return on assets
0.75%0.99%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.22%
Q3 20241.16%
Q4 20241.17%
Q1 20251.04%
Q2 20251.01%
Q3 20251.13%
Q4 20251.14%
Q1 20260.75%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$218.1M9.29%0.26%0.83%74.9%
Q1 202668$209.9M9.36%0.32%0.75%74.8%
Q4 202571$203.4M9.23%0.30%1.14%74.4%
Q3 202571$198.3M9.58%0.30%1.13%77.3%
Q2 202570$191.0M9.57%0.40%1.01%76.7%
Q1 202571$189.3M9.52%0.34%1.04%75.7%
Q4 202472$184.8M9.57%0.31%1.17%75.2%
Q3 202471$173.9M9.91%0.37%1.16%81.1%
Q2 202472$169.8M9.76%0.36%1.22%80.1%

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).

Capital ratio9.29%
17th
Total risk-based capital14.06%
62nd
Problem loans0.26%
60th
Net charge-offs0.06%
25th
Return on assets0.83%
25th
Net interest margin4.47%
79th
Efficiency ratio73.2%
23rd
Loans to deposits74.9%
60th
Uninsured deposits12.6%
88th
Loan-loss reserves1.53%
81st
Texas ratio1.8%
60th

Similar-size banks in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Valley Bank of KalispellBank Kalispell, MT72 out of 100, Strong$218.1M9.5%0.35%vs
The First State Bank of MaltaBank Malta, MT70 out of 100, Strong$189.7M14.4%2.20%vs
Eagle BankBank Polson, MT92 out of 100, Very strong$179.5M13.0%0.00%vs
The First State Bank of ShelbyBank Shelby, MT93 out of 100, Very strong$175.6M19.4%0.00%vs
Madison Valley BankBank Ennis, MT63 out of 100, Moderate$263.7M9.2%1.27%vs
First State Bank of ForsythBank Forsyth, MT71 out of 100, Strong$165.5M12.1%1.69%vs

Deposit insurance

Is my money safe at Valley Bank of Ronan?

Yes. Valley Bank of Ronan is an FDIC-insured institution (FDIC certificate #24966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.6% of deposits ($25.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.29%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.06% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Valley Bank of Ronan lists 5 offices in 5 cities. Most locations:

  • Arlee, MT (1)
  • Hot Springs, MT (1)
  • Ronan, MT (1)
  • Saint Ignatius, MT (1)
  • Thompson Falls, MT (1)

All branch addresses and map

Identity & history

Profile

Legal name
Valley Bank of Ronan
Type
State-chartered bank (Fed member)
FDIC certificate #
24966
RSSD ID
624956
Primary regulator
FED
Holding company
Valley Holding Co
Established
February 21, 1984
Headquarters
63659 Us Highway 93, Ronan, MT 59864
Employees
62

Quick answers

Valley Bank of Ronan: common questions

Is Valley Bank of Ronan FDIC insured?

Yes. Valley Bank of Ronan is an FDIC-insured institution (FDIC certificate #24966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Valley Bank of Ronan's TellerScore?

69 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 Valley Bank of Ronan ever failed?

There is no failure record for FDIC certificate #24966 in the FDIC failed bank list.

How many branches does Valley Bank of Ronan have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ronan

InstitutionScoreAssetsCapitalProblem loansCompare
Eagle BankBank Polson, MT92 out of 100, Very strong$179.5M13.0%0.00%vs
Whitefish Credit Union AssociationCredit union Whitefish, MT76 out of 100, Strong$2.1B12.7%0.15%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
First Interstate BankBank Billings, MT62 out of 100, Moderate$25.8B9.4%1.12%vs
Unity BankBank Augusta, WI27 out of 100, Low$574.8M8.8%8.39%vs