Side-by-side · Q2 2026 data
Valley Bank of Kalispell vs First State Bank of Forsyth
Metric by metric
| Measure | Valley Bank of Kalispell | First State Bank of Forsyth |
|---|---|---|
| TellerScore | 72 (stronger) | 71 |
| Capital cushion | 45 | 71 (stronger) |
| Loan quality | 88 (stronger) | 44 |
| Earnings | 90 | 91 (stronger) |
| Funding & liquidity | 62 | 84 (stronger) |
| Problem-loan coverage | 95 (stronger) | 81 |
| Peer percentile | 50th | 47th |
| Total assets | $218.1M | $165.5M |
| Deposits / shares | $198.6M | $143.4M |
| Capital ratio | 9.49% | 12.08% (stronger) |
| Problem loans | 0.35% (stronger) | 1.69% |
| Net charge-offs | -0.07% | -0.23% (stronger) |
| Return on assets | 1.76% | 1.77% (stronger) |
| Loans ÷ deposits | 74.7% | 62.3% (stronger) |
| Uninsured deposits | 36.1% | 27.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley Bank of Kalispell has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Valley Bank of Kalispell leads on 2 and First State Bank of Forsyth on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.