Side-by-side · Q2 2026 data
Valley Bank of Kalispell vs Madison Valley Bank
Metric by metric
| Measure | Valley Bank of Kalispell | Madison Valley Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 63 |
| Capital cushion | 45 (stronger) | 42 |
| Loan quality | 88 (stronger) | 58 |
| Earnings | 90 (stronger) | 62 |
| Funding & liquidity | 62 | 98 (stronger) |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 50th | 24th |
| Total assets | $218.1M | $263.7M |
| Deposits / shares | $198.6M | $238.6M |
| Capital ratio | 9.49% (stronger) | 9.24% |
| Problem loans | 0.35% (stronger) | 1.27% |
| Net charge-offs | -0.07% (stronger) | -0.01% |
| Return on assets | 1.76% (stronger) | 1.04% |
| Loans ÷ deposits | 74.7% | 52.8% (stronger) |
| Uninsured deposits | 36.1% | 17.2% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley Bank of Kalispell has the higher TellerScore (72 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Valley Bank of Kalispell leads on 5 and Madison Valley Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.