Valley Bank of Kalispell

Valley Bank of Kalispell is headquartered in Kalispell and is the 33^rd largest bank in the state of Montana. It is also the 4,923^rd largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 30 employees at 2 locations. Valley Bank of Kalispell has a 3-star health rating.

Valley Bank of Kalispell Routing Number: 092902297

Data for Q1 2012

Institution Statistics Valley Bank of Kalispell FDIC Certificate # 1980 BankRate Report View Year Established 1911 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $101.03 million Loans $45.20 million Deposits $88.88 million Equity Capital $11.87 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $3.53 million Real Estate Owned $1.17 million Historic Data - March 2011 Assets $99.17 million Equity Capital $10.68 million Loan Loss Allowance $1.20 million Unbacked Noncurrent Loans $4.93 million Real Estate Owned $1.31 million Profit Margin - Quarterly Net Interest Margin 4.39% Return on Assets 1.06% Return on Equity 9.46% Interest Income $1.19 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Valley Bank of Kalispell had $4.7 million in non-current loans and owned real-estate with $12.92 million in equity and loan loss allowances on hand to cover it. This gives Valley Bank of Kalispell a Texas Ratio of 36.36% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Valley Bank of Kalispell decreased slightly from 52.50% as of March 31, 2011 to 36.36% as of March 31, 2012, resulting in a positive change of 30.74%.This indicates that the balance sheet and financial strength for Valley Bank of Kalispell has improved slightly in recent periods. Deposit Growth In the past year, Valley Bank of Kalispell has increased its total deposits by $498,000, resulting in 0.56% 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 Valley Bank of Kalispell has shown is average. Capitalization 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. Valley Bank of Kalispell has $101.03 million in assets with $12.92 million in equity, resulting in a capitalization level of 12.79%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.