Valley Bank of Ronan
Ronan, Montana · FDIC Cert #24966
Valley Bank of Ronan is an FDIC-insured bank (Certificate #24966) with $170M in total assets and $152M in total deposits as of the Q2 2024 Call Report. Headquartered in Ronan, Montana, the bank maintains a Tier 1 capital ratio of 10.73% (Well-Capitalized) and a nonperforming loan ratio of 0.36%. BankHealthData assigns a composite Health Grade of B (78/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Valley Bank of Ronan (FDIC cert 24966) is a community bank — $170M in total assets, $152M in deposits, serving the Ronan, Montana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.73% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.36% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 24.0% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.53% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. 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 Ronan carries a composite BankHealth grade of B (78/100) 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 Ronan
- Total Assets
- $170M
- Total Deposits
- $152M
- Tier 1 Capital Ratio
- 10.73%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.36%
- Liquidity Ratio
- 23.98%
- Return on Assets
- 1.53%
- Headquarters
- Ronan, Montana
- FDIC Certificate
- #24966
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Valley Bank of Ronan holds a Tier 1 capital ratio of 10.73%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Valley Bank of Ronan has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Valley Bank of Ronan shows strong financial health indicators. With $170M in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 Ronan Compares
Valley Bank of Ronan’s Health Score of 78 is 9 points above the Montana state average of 69 across 33 FDIC-insured banks. Its 10.73% Tier 1 capital ratio is 3.3 points below the US banking industry average near 14%. The 0.36% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.53% is in line with or above the national ROA benchmark of ~1.1%. Among 1438 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Valley Bank of Ronan is 8 points above the portfolio average of 70.
Frequently Asked Questions
Valley Bank of Ronan has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.73%, which is above 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 Ronan's Tier 1 capital ratio of 10.73% and nonperforming loan ratio of 0.36% indicate a low 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 Ronan is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #24966). 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 Ronan holds $170M in total assets and $152M in total deposits. It is headquartered in Ronan, Montana (FDIC Certificate #24966).
Valley Bank of Ronan has a Tier 1 capital ratio of 10.73%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.36%, and the return on assets is 1.53%.
Yes. Valley Bank of Ronan is FDIC-insured (Certificate #24966). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Valley Bank of Ronan's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.