# VALLEY BANK OF RONAN
RONAN, MT · FDIC certificate 24966 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $197.6M | |
| Loans and leases | $150.4M | |
| Total equity | $20.1M | |
| Loans / deposits | 74.93% (p52 of band) | 73.59% |
| Liquid assets / assets | 28.60% (p40 of band) | |
| Uninsured deposits / deposits | 12.65% (p23 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.29% (p14 of band) | 11.76% |
| Unrealized securities loss / equity | 0.46% (p100 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.83% (p31 of band) | 1.17% |
| Net interest margin | 4.47% (p76 of band) | 3.93% |
| Efficiency ratio | 73.23% (p67 of band) | |
| Noncurrent loans | 0.26% (p45 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p79 of band) | |
| Reserve coverage of noncurrent | 582.03% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 84.24% (p91 of band) | |
| Auto loans | $6.2M (4.14% of loans; DQ 1.81%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.7% | |
| Employees | 62 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2019-04-11 [Ronan Chamber names Buhr 'Citizen of the Year' - Lake County Leader](https://news.google.com/rss/articles/CBMimgFBVV95cUxNUE9yVHVPQWx0bGJxZ2NNTHhNU05kLUJRUDJ1bmJmNThVQzFFT0lLd0F5eE5lWTEtcmRwc29leVplc3ZRbHlMRktfdjRKZkR4SnF1Rk4zT1hqMW5FOWVpbVM4LVdVTlpEQ0l0R29jdWxHRGNVNTVjMzZpRmM3dV9WaDhPZ2pnU2FrenNuZVh2OVdVY2d1NGhIcXpn?oc=5) · Lake County Leader
- 2024-11-13 [Legals for November, 13 2024 - Clark Fork Valley Press | Mineral Independent](https://news.google.com/rss/articles/CBMidEFVX3lxTE9UdXpqdy1ub3F1d2RnanBDX1N3TU1nN3ZoRHE1d0tXX0tzbXM0bFJMdWlhVDFKdF9mRUhhRFN0YU9vR0JEanp1MUJUVTZTcXhhdWkyNC1DYjhKMzljU3VLZkppY2RVWVVfQUl6dWVGWjhJVThz?oc=5) · Clark Fork Valley Press | Mineral Independent
- 2021-07-11 [Mick Cheff Obituary (1945 - 2021) - Missoula, MT - Missoulian - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNN1Q2QndnMkpic2c3TGUwUmx2RzItYzdBLTZrS2pHYTRCWVF4c0NfQ1M5dlBCblBid3NybXBXYXNHZnJ1aXVUNDIwNVNiaHlMaXhzaFlsenN5VE53RVBRYzJ6RjlrQ3RYanlISGJRMlA0ZVhwT0F2V2xDQmVFcEFuTnZNSlJzQ0J0WFRSMA?oc=5) · legacy.com
- 2018-04-01 [St. Ignatius embraces its multicultural roots - Daily Inter Lake](https://news.google.com/rss/articles/CBMilgFBVV95cUxNTE5COHg3WW9CNjFvNWVGUzZIMDRpamsxc3N1dGcxUnZTYkRaQUd4Rml5aUlmclJDSW1fOE00TU00VFhBN0pBcmsxV25JTlA4NFhSTDZFOVVUVkMtNHpXQlIzYnNFUHUybW80bUxNMmQwdHpQQkR3cUpRdGZ6aW96LTB4QXJsNWUxSUhDRHhGeGEzZGpkY2c?oc=5) · Daily Inter Lake
- 2025-05-22 [Legals for May, 22 2025 - Lake County Leader](https://news.google.com/rss/articles/CBMifEFVX3lxTE5NMXVDOG9nRmk4OUUtMlZHaXktOHhpYXVvLTlzN1VWRGZoWXBSdU5qT1p5NmNGb0pFUXdTVEFlcWtzdlhXUVE5RGdUYUhCNllWYjNscU0wOHNuWGNfUGE1NFVtcDBCSk1iRXJZSnNGd3k4X01vM0hFaTRBTjg?oc=5) · Lake County Leader
- 2026-01-29 [Legals for January, 29 2026 - Lake County Leader](https://news.google.com/rss/articles/CBMiggFBVV95cUxPYWx4MlNhNTRBdFpNN2dIcGd1Q21abS02Rkt1ZUhLM2JPajI4dVZTSFlKdWFBQ21XbTBIcVFnV3VWMXVSQVFEVHlteHlPdmZYQ2ptb3lMWFdaSVY3NW9VRFR6YlFkaVowcWdhd1gwUUZWZ1BkSW9lN3RHOFdMRWlWLTFn?oc=5) · Lake County Leader
- 2021-01-05 [St Luke’s welcomes first baby of 2021 - Lake County Leader](https://news.google.com/rss/articles/CBMihwFBVV95cUxQSWtlQTBXanJVa3gyNElTVXAtZWthM3o3eFc5VHhkbFAxUFZacHllZ1k5QTlPQWhtS3lvdkpseTZ0cDVhc3NOdWVUZ3VOWk1KM0hoOUEydm9oWnc0cDBWVHd6M2tZUVJEYlN4YjlWalpWMVJJR25kLTZwR2xhVmhCcTJVSDdSZTQ?oc=5) · Lake County Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24966 (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/6.json (key "24966", 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