Side-by-side · Q2 2026 data
Valley Bank of Kalispell vs The First State Bank of Malta
Metric by metric
| Measure | Valley Bank of Kalispell | The First State Bank of Malta |
|---|---|---|
| TellerScore | 72 (stronger) | 70 |
| Capital cushion | 45 | 94 (stronger) |
| Loan quality | 88 (stronger) | 27 |
| Earnings | 90 (stronger) | 61 |
| Funding & liquidity | 62 | 94 (stronger) |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 50th | 43rd |
| Total assets | $218.1M | $189.7M |
| Deposits / shares | $198.6M | $164.9M |
| Capital ratio | 9.49% | 14.36% (stronger) |
| Problem loans | 0.35% (stronger) | 2.20% |
| Net charge-offs | -0.07% | -0.10% (stronger) |
| Return on assets | 1.76% (stronger) | 1.03% |
| Loans ÷ deposits | 74.7% | 40.6% (stronger) |
| Uninsured deposits | 36.1% | 20.6% (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 70). On the 7 directional measures above (where higher or lower is clearly better), Valley Bank of Kalispell leads on 3 and The First State Bank of Malta on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.