# VALLEY BANK OF KALISPELL
KALISPELL, MT · FDIC certificate 1980 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $218.1M | |
| Deposits | $198.6M | |
| Loans and leases | $150.4M | |
| Total equity | $18.6M | |
| Loans / deposits | 74.66% (p52 of band) | 73.59% |
| Liquid assets / assets | 30.51% (p45 of band) | |
| Uninsured deposits / deposits | 36.08% (p90 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.49% (p17 of band) | 11.76% |
| Unrealized securities loss / equity | -14.56% (p31 of band) | -6.57% |
| AOCI / equity | -1.55% (p17 of band) | |
| ROA (annualized) | 1.76% (p78 of band) | 1.17% |
| Net interest margin | 4.47% (p76 of band) | 3.93% |
| Efficiency ratio | 51.29% (p16 of band) | |
| Noncurrent loans | 0.35% (p49 of band) | 0.36% |
| Net charge-offs (annualized) | -0.05% (p4 of band) | |
| Reserve coverage of noncurrent | 419.27% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 138.48% (p98 of band) | |
| Auto loans | $4.4M (2.93% of loans; DQ 4.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 1 |  | noncurrent p90 |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 3 | charge-offs p90 |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | charge-offs p90 |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 3 | expense ratio p90 | capital falling |
| 2017-06 | 2 |  | expense ratio p90 |
| 2017-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 1 |  | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-06 | 3 | capital falling, charge-offs p90 | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2018-09 | 0 |  | uninsured deposits leaving, capital falling, charge-offs p90 |
| 2018-12 | 2 | construction >100% equity, uninsured deposits leaving |  |
| 2019-03 | 1 |  | uninsured deposits leaving |
| 2019-06 | 2 | uninsured deposits leaving |  |
| 2019-09 | 1 |  | uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | capital falling, charge-offs p90 |  |
| 2020-06 | 1 |  | construction >100% equity, capital falling |
| 2020-09 | 0 |  | charge-offs p90 |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 1 | construction >100% equity |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking |  |
| 2023-09 | 2 |  | uninsured deposits leaving, deposits shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | securities losses >30% of equity |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-03-17 [Valley Bank Celebrates 60 years in downtown Kalispell - Daily Inter Lake](https://news.google.com/rss/articles/CBMinwFBVV95cUxQX2M1bks4dmU1c0ZEZVBzYkFsOWpSR0hCSDVBMGw1NlVyZllvek8xcEtnTldINWNWRXpXY1RPLWd3bHdRWUdKZnJVVUtoZHF1ZXJzWUp4R3M2enNOV2tQejJXQ3R3QjRZT1FtYXRPQzk4RDNvMlpzZWpEd1IwaEpCREZYNl9za0U2azVMZ050SlNoSDNpc3ZPY0RseFk4MEk?oc=5) · Daily Inter Lake
- 2023-07-31 [I Finally Made It Inside Black Rifle Coffee’s Kalispell Location - Montana Talks](https://news.google.com/rss/articles/CBMikwFBVV95cUxQQV9razNQcGJ2eTl6aTJkWGl2czFtSDJTUEZqeEpQLVRUZ1BDQlFVWW5BOVVaR2hCMjNDQ2tGOGlwNzhNWHJVZVZpRk90Yjh5aEZ2dl9WNGtxdlFQVW1hMHJwSVJER0R0N0ltSUwxSExqMWQ5OHF6QTJYazBuelZrbDZtenlFdktWMzk5Z2FsT2oxWEk?oc=5) · Montana Talks
- 2019-02-16 [Jack King remembered for commitment to community banking - Daily Inter Lake](https://news.google.com/rss/articles/CBMijgFBVV95cUxPRG5UZ2g5NjJXNFl1M3JLcG9SQzdWMFo2SGRCT1AxaWtYWjhSSjFQbFU4aHQ2WW1JS2ctUWFVcVFFSnAzbFFBQ2pZUV8tOHlzMHo5UVpKUE1IanZPREdQRE53SlpQRGJpU2xyc3VzNll5bzhnMnpSQ2pJekRCTEZwenE2UEY4THl5eFFWZzFB?oc=5) · Daily Inter Lake
- 2020-08-26 [Columbia Falls folks do well at the fair - Hungry Horse News](https://news.google.com/rss/articles/CBMihgFBVV95cUxPcy0zeGhyZjEzUFhVRUVSZm5nVk8zejBQTzdNUE9fRGhCZjFCMGtDRGFwa0dMVUpab2tHWDFPYW5sUldpWXJoWG82TGp4bnVuay1qS0ZEd1RiUkNnRG5YNkh3R3ZMX3N5akNvY2ZNb0pVSkRjQ2lTUjI2X1lZeXBRa3pBM0J6dw?oc=5) · Hungry Horse News
- 2024-09-22 [Theresa Darsow Obituary (1948 - 2024) - Spokane, WA - Daily Inter Lake - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOS2toYVJqWkpYS29hYllrcEZwTkZLNUgxVW5mazdFazc5N013dzBQX3ZtSWdOV2pZT1FLdVVrZmpMWXlwQnN5ZEo4QzBzOFpoaGJ5azBKcjBmcXJnbDUwWFpjM3A5X010ZDY3MUtSYTBWbEhEdklweEppUW1SaVA5NllhWFE0YnNGMUhqbUNhdVpJX29KZmc0?oc=5) · legacy.com
- 2023-06-21 [Virginia Anderson Obituary (1932 - 2023) - Bremerton, WA - Daily Inter Lake - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNMjZSWE5UeDRNNmZ1Q1NkN0JheE95cWY2ZlV3RE5BRTJfb09ERk9hMFBTZlNFUk9hVXZGUUFCendqZTE1T1FtWFJ1RHMzZFp2RWN5MnpidDAwY0NKNmJubnh5WGc1VWVaaXdIN3RnMExiS3hrTEhZQWpDemdVbUxjbTlzMm9fSmpPUFdqOEEtWFhUSldRakFjRlpKNA?oc=5) · legacy.com
- 2023-06-22 [Virginia "Ginny" Anderson, 92 - Daily Inter Lake](https://news.google.com/rss/articles/CBMie0FVX3lxTE1lb0xSUHpqclNvWEhRYVFHQ3NVX1l0OHA5c0xERTU4ZzlqT2V5MlhJM0hfanhFLW1EOFoza1ZzUzJlamNQWHY2ZUJrNjI1WVJtUkNhbmtkUnZUM3VkMWh1akVPRjRIN1NnT0pTdi1VdUUwZUxWOVBTWTVjaw?oc=5) · Daily Inter Lake
- 2011-09-25 [Jack Hensley Obituary (2011) - Great Falls, MT - Great Falls Tribune - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQd2VLQTdtMG5RekF3NEZsckVIMDRxcXI4SHFyVjRlblFjM0h1WVdSbHNaTnZsa3pQNjhRZEdSUVFneVNCa0Flb3d1cVQ2SndvVmFDVFN0OV9oNlU2YzBrUEdlaFZWMXFxSEJvTW0xMWlKYlhmMTRvT0NIQzdYeVdwazNBZGhfVHZlZU9XME0wTHVQdW1LMGlBNw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1980 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/60.json (key "1980", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide