Side-by-side · Q2 2026 data
Valley Bank of Kalispell vs Three Rivers Bank of Montana
Metric by metric
| Measure | Valley Bank of Kalispell | Three Rivers Bank of Montana |
|---|---|---|
| TellerScore | 72 (stronger) | 71 |
| Capital cushion | 45 | 67 (stronger) |
| Loan quality | 88 (stronger) | 69 |
| Earnings | 90 (stronger) | 76 |
| Funding & liquidity | 62 | 62 |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 50th | 47th |
| Total assets | $218.1M | $293.1M |
| Deposits / shares | $198.6M | $257.9M |
| Capital ratio | 9.49% | 11.72% (stronger) |
| Problem loans | 0.35% (stronger) | 0.93% |
| Net charge-offs | -0.07% (stronger) | 0.01% |
| Return on assets | 1.76% (stronger) | 1.40% |
| Loans ÷ deposits | 74.7% (stronger) | 95.0% |
| Uninsured deposits | 36.1% | 18.1% (stronger) |
| Offices | 2 | 3 |
| 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 5 and Three Rivers Bank of Montana on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.