Side-by-side · Q2 2026 data
Valley Bank of Kalispell vs Manhattan Bank
Metric by metric
| Measure | Valley Bank of Kalispell | Manhattan Bank |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 45 | 49 (stronger) |
| Loan quality | 88 | 88 |
| Earnings | 90 (stronger) | 76 |
| Funding & liquidity | 62 | 92 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 50th | 61st |
| Total assets | $218.1M | $287.1M |
| Deposits / shares | $198.6M | $252.7M |
| Capital ratio | 9.49% | 9.90% (stronger) |
| Problem loans | 0.35% (stronger) | 0.35% |
| Net charge-offs | -0.07% (stronger) | 0.07% |
| Return on assets | 1.76% (stronger) | 1.41% |
| Loans ÷ deposits | 74.7% | 63.0% (stronger) |
| Uninsured deposits | 36.1% | 19.3% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.7% |
Manhattan Bank 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 Manhattan Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.