Side-by-side · Q2 2026 data
Valley Bank of Kalispell vs Stockman Bank of Montana
Metric by metric
| Measure | Valley Bank of Kalispell | Stockman Bank of Montana |
|---|---|---|
| TellerScore | 72 (stronger) | 71 |
| Capital cushion | 45 | 49 (stronger) |
| Loan quality | 88 (stronger) | 80 |
| Earnings | 90 | 96 (stronger) |
| Funding & liquidity | 62 (stronger) | 49 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 50th | 63rd |
| Total assets | $218.1M | $7.7B |
| Deposits / shares | $198.6M | $6.2B |
| Capital ratio | 9.49% | 9.89% (stronger) |
| Problem loans | 0.35% (stronger) | 0.60% |
| Net charge-offs | -0.07% (stronger) | 0.02% |
| Return on assets | 1.76% | 1.91% (stronger) |
| Loans ÷ deposits | 74.7% (stronger) | 82.9% |
| Uninsured deposits | 36.1% (stronger) | 40.1% |
| Offices | 2 | 45 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.6% |
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 5 and Stockman Bank of Montana on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.