Valley Bank of Kalispell
Kalispell, Montana · FDIC Cert #1980
Valley Bank of Kalispell is an FDIC-insured bank (Certificate #1980) with $204M in total assets and $180M in total deposits as of the Q2 2024 Call Report. Headquartered in Kalispell, Montana, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.61%. BankHealthData assigns a composite Health Grade of C (55/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Valley Bank of Kalispell (FDIC cert 1980) is a community bank — $204M in total assets, $180M in deposits, serving the Kalispell, Montana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 0.61% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 27.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.14% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Valley Bank of Kalispell carries a composite BankHealth grade of C (55/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Valley Bank of Kalispell
- Total Assets
- $204M
- Total Deposits
- $180M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.61%
- Liquidity Ratio
- 27.57%
- Return on Assets
- 1.14%
- Headquarters
- Kalispell, Montana
- FDIC Certificate
- #1980
- Health Grade
- C (55/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Valley Bank of Kalispell holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Valley Bank of Kalispell to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Valley Bank of Kalispell shows average financial health. While not alarming, its Health Score of 55/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Valley Bank of Kalispell Compares
Valley Bank of Kalispell’s Health Score of 55 is 14 points below the Montana state average of 69 across 33 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.61% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.14% is in line with or above the national ROA benchmark of ~1.1%. Among 1527 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Valley Bank of Kalispell is 15 points below the portfolio average of 70.
Frequently Asked Questions
Valley Bank of Kalispell has a Bank Health Score of C (55/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Valley Bank of Kalispell's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.61% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Valley Bank of Kalispell is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1980). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Valley Bank of Kalispell holds $204M in total assets and $180M in total deposits. It is headquartered in Kalispell, Montana (FDIC Certificate #1980).
Valley Bank of Kalispell has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.61%, and the return on assets is 1.14%.
Yes. Valley Bank of Kalispell is FDIC-insured (Certificate #1980). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Valley Bank of Kalispell's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.