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Overview / Commentary
406-684-5678
107 South Main Street
Twin Bridges, MT 59754

Ruby Valley Bank is headquartered in Twin Bridges and is the 30th largest bank in the state of Montana. It is also the 4,493rd largest bank in the nation. It was established in 1917 and as of March of 2017, it had grown to 17 employees at 2 locations. Ruby Valley Bank has a B+ health rating.

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Ruby Valley Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #2203
Year Established1917
Employees17
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.96%
Return on Equity - YTD13.81%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$92.2MM$94.7MM
LoansQ1 2017vs Q1 2016$52.4MM$52.5MM
DepositsQ1 2017vs Q1 2016$78.8MM$81.1MM
Equity CapitalQ1 2017vs Q1 2016$13.3MM$13.5MM
Loan Loss AllowanceQ1 2017vs Q1 2016$1.6MM$1.6MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$645.00K$3.2MM
Real Estate OwnedQ1 2017vs Q1 2016$145.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ruby Valley Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$200-Passbook Savings
0.10%$100- Health Savings Account

Ruby Valley Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$75k*-Money Market Account
OTHER TIERS: 0.05% Up to $1k | 0.07% $1k - $5k | 0.10% $5k - $10k | 0.15% $10k - $25k | 0.18% $25k - $50k | 0.25% $50k - $75k

Ruby Valley Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2,500-Preferred 'Super Now' Checking
0.05%$1k-Business Interest Checking
0.05%$1k-Now Checking Account

Ruby Valley Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$20k-12 Month Variable Rate CD
0.60%$500-3 Year CD
0.50%$500-2 Year CD
0.49%$20k-21 Month CD
0.45%$500-15 Month CD
0.40%$500-1 Year CD
0.20%$500-182 Day CD
0.15%$500-90 Day CD
0.05%$2,500-30 Day CD

Ruby Valley Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.48%$100-18 Month IRA
Locations


Ruby Valley Bank Locations
Sheridan Office Branch103 North Main StreetSheridan, MT 59749
Ruby Valley National Bank107 South Main StreetTwin Bridges, MT 59754