Side-by-side · Q2 2026 data
Valley Bank of Kalispell vs Bank of Montana
Metric by metric
| Measure | Valley Bank of Kalispell | Bank of Montana |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 45 (stronger) | 39 |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 90 | 100 (stronger) |
| Funding & liquidity | 62 (stronger) | 52 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 50th | 61st |
| Total assets | $218.1M | $308.6M |
| Deposits / shares | $198.6M | $278.9M |
| Capital ratio | 9.49% (stronger) | 8.89% |
| Problem loans | 0.35% | 0.00% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.00% |
| Return on assets | 1.76% | 3.26% (stronger) |
| Loans ÷ deposits | 74.7% | 27.2% (stronger) |
| Uninsured deposits | 36.1% (stronger) | 58.3% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Montana has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Valley Bank of Kalispell leads on 3 and Bank of Montana on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.