Side-by-side · Q2 2026 data
First Montana Bank, Inc. vs Valley Bank of Kalispell
Metric by metric
| Measure | First Montana Bank, Inc. | Valley Bank of Kalispell |
|---|---|---|
| TellerScore | 73 (stronger) | 72 |
| Capital cushion | 52 (stronger) | 45 |
| Loan quality | 96 (stronger) | 88 |
| Earnings | 63 | 90 (stronger) |
| Funding & liquidity | 70 (stronger) | 62 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 53rd | 50th |
| Total assets | $530.3M | $218.1M |
| Deposits / shares | $437.9M | $198.6M |
| Capital ratio | 10.15% (stronger) | 9.49% |
| Problem loans | 0.13% (stronger) | 0.35% |
| Net charge-offs | 0.07% | -0.07% (stronger) |
| Return on assets | 1.07% | 1.76% (stronger) |
| Loans ÷ deposits | 72.7% (stronger) | 74.7% |
| Uninsured deposits | 31.2% (stronger) | 36.1% |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
First Montana Bank, Inc. has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Montana Bank, Inc. leads on 5 and Valley Bank of Kalispell on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.