# VALLEY BANK
GLASGOW, MT · FDIC certificate 27518 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $36.6M | |
| Deposits | $33.1M | |
| Loans and leases | $25.5M | |
| Total equity | $3.3M | |
| Loans / deposits | 75.81% (p46 of band) | 77.79% |
| Liquid assets / assets | 28.27% (p47 of band) | |
| Uninsured deposits / deposits | 4.52% (p7 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.57% (p6 of band) | 11.56% |
| Unrealized securities loss / equity | 0.71% (p48 of band) | 0.80% |
| AOCI / equity | 1.84% (p45 of band) | |
| ROA (annualized) | 0.49% (p17 of band) | 1.05% |
| Net interest margin | 4.41% (p81 of band) | 3.84% |
| Efficiency ratio | 74.47% (p64 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | 0.17% (p87 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 64% | |
| Construction % of loans | 1.69% (p20 of band) | |
| Auto loans | $786,000 (3.08% of loans; DQ 1.27%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.4% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2015-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 4 | capital falling, noncurrent p90, charge-offs p90 |  |
| 2018-03 | 1 |  | capital falling, noncurrent p90, charge-offs p90 |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-09 | 3 |  | charge-offs p90 |

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

- 2026-03-30 [Mountain Brook losing bank branch - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWTBGYVBkbm43bVB6OS15TXI2d1U0ZEI2VVNCZzlnNC1oVTlRcFBSVlBsR2JoQm96R2VOLXhDM2VhTDdjNTFzUGJ6MGlsMHNFUThESV9Ecjhvd2JDcVZibnlRTkEwSFFuQmVya3c3YVY2MGRSbWNFQlhjYTdWOENmSjhtcWdDcTR5NVJCbjR1ZnhQdHBUNjBKQUhOdjVZQ0xKZWlHYnJ0cVJBeS0t?oc=5) · The Business Journals
- 2025-12-29 [Mountain Valley Bank announces new team members - - The Intermountain](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNNEZoMlRTZWtVUTJ2a0ZlY29iclZGczJYMzVvR1o4Zmt6RXE1LTZCS1pGRjRyQXVLVzVhOWdkd0dobFI3RFhFNWhCSFpLcnJPVGFCQmVGVzdkR2M0RUJaODN2eWE0V2l1cnpKVmpQaWdlckFaM3hQaFhtTDVGbThmUDdOUGp1a1FIam4yUjJPTzN0bDg5c3hGUENpQ3VBMkhRNmF4eHNHZ2o1dw?oc=5) · The Intermountain
- 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
- 2023-07-08 [Mountain Valley Bank expands into Hamilton County - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUUZ3YThOTVd3X3FLbGhhYXI1M3VKRGhkdDJIRnB1MUR6cXRZY1MtQm1SV203N2c0OHVpZjlSbWZEZ3JZUmpYXzdhbG9RZGF0VzZDeVNjSXFXTjFMUy0tYUdKN0RQdW9iNFM5T3NaZ05qbGVDcGR1OEw5MVZWRlU5SlExODVPdXdN?oc=5) · Chattanooga Times Free Press
- 2026-03-07 [United Valley Bank Announces Executive Promotions - Grand Forks Herald](https://news.google.com/rss/articles/CBMixAFBVV95cUxQcWo5QXB4Zl9yb3c0cUVwYzdBQVF0SDFCcVI5RnloMnBYZEN6VDgwRVFURzd6WmUtaktMdUNCNWVUZU91QUo0OTJEYXRrd0d5a3ZhX0JqY05oUFROS2kwb1FzU0YzR3c0eDc1NWktWU9VZ3lRdDh0X1o1ZWpYVTRBaXN1NTdlQ0N4eFhWNTJ2cVdYa2hrTnY3Y1d6cHpVTEdqemNpTWRycHRPeFZmTjU5d0NFMDZkNjJtT0p1VVpPeGpKQ3ND?oc=5) · Grand Forks Herald
- 2018-12-15 [Mountain Valley Bank in process of acquiring Citywide Bank branch in Steamboat Springs - Steamboat Pilot](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPZVo1Z01nZ0NLeWRyYmdwMk5lczlMeUlMV3prVUdXQUdOSlRwX2NjLU9vLTFrU2k5X1NFZWVSTUp6NEVQMDh5eEcwUFdWeklnZF9lbGhtZ2RvNGVSVjlXTzBuRnJfZ3ozUnI3TVpxUWtvRXBIa1Vyb0hTSUx3ZzhKNFlKRHVaUVJsVFY4Q0J1R1VYN3VWV1NyMmJOOFJCWnVoeGdmck5hNWpIQQ?oc=5) · Steamboat Pilot
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2022-01-11 [Cache Bank sale to Mountain Valley Bank complete - Greeley Tribune](https://news.google.com/rss/articles/CBMilgFBVV95cUxPVTdMODNaRzZfd0d1RGZqYXY5am92Yl9YRTMzN0d5eFdhY3cxRDVpcngyRHBzck9wNUtSbkZJTlBuLS1pZFVhWHY1THpiUVdaR0FhdERrNV9DUDNySlIxQXFOVVhsYXhJYVl5SUlqRDhoUk83SFJsUkNjYlNpUmM2N2xkSWEtUGlVUEYwLWY5TzBLdDZaYlE?oc=5) · Greeley Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27518 (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/62.json (key "27518", 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