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Overview / Commentary
11300 U.S. Hwy. 93 S. Ste D
Lolo, MT 59847

Bitterroot Valley Bank is headquartered in Lolo and is the 11st largest bank in the state of Montana. It is also the 1,881st largest bank in the nation. It was established in 1982 and as of March of 2014, it had grown to 108 employees at 10 locations. Bitterroot Valley Bank has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bitterroot Valley Bank had $8.31 million in non-current loans and owned real-estate with $38.02 million in equity and loan loss allowances on hand to cover it. This gives Bitterroot Valley Bank a Texas Ratio of 21.85% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bitterroot Valley Bank experienced no significant changes from 22.63% as of March 31, 2013 to 21.85% as of March 31, 2014, resulting in a positive change of 3.43%.This indicates that the balance sheet and financial strength for Bitterroot Valley Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Bitterroot Valley Bank has increased its total deposits by $1.14 million, resulting in 0.43% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bitterroot Valley Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bitterroot Valley Bank has $349.67 million in assets with $38.02 million in equity, resulting in a capitalization level of 10.87%, which is above average.

Institution Statistics

FDIC Certificate #23806
Year Established1982
Primary RegulatorFDIC
Assets and Liabilities
Assets$349.67 million
Loans$242.88 million
Deposits$267.97 million
Equity Capital$34.68 million
Loan Loss Allowance$3.34 million
Unbacked Noncurrent Loans$5.10 million
Real Estate Owned$3.21 million
Historic Data - March 2013
Assets$354.71 million
Equity Capital$35.13 million
Loan Loss Allowance$3.15 million
Unbacked Noncurrent Loans$5.10 million
Real Estate Owned$2.94 million
Profit Margin - Quarterly
Net Interest Margin3.84%
Return on Assets1.53%
Return on Equity15.34%
Interest Income$3.72 million

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Bitterroot Valley Bank Locations
Corvallis Branch1070 Eastside HwyCorvallis, MT 59828
Bitterroot Valley Bank11300 U.S. Highway 93 S. Ste DLolo, MT 59847
Blodgett View Branch1131 North 1st StreetHamilton, MT 59840
Frenchtown Branch16600 Beckwith StFrenchtown, MT 59834
Superior Branch200 River StreetSuperior, MT 59872
Ravalli Main Office244 West PinckneyHamilton, MT 59840
North Valley Branch At Super One Foods39 Stevensville Cutoff RoadStevensville, MT 59870
Airway Boulevard Branch5600 Airway BoulevardMissoula, MT 59808
St. Regis Branch651 Montana Highway 135Saint Regis, MT 59866
Milltown Branch7676 Highway 200Milltown, MT 59851