Valley Bank of Kalispell

41 3rd Street West
Kalispell, MT 59901

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1980
Date Established 1911
Assets $0.12 billion
Loans $0.09 billion
Deposits $0.10 billion
Capital $0.01 billion

Valley Bank of Kalispell is an FDIC insured institution located in Kalispell, MT. It was founded in 1911 and has approximately $0.12 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Valley Bank of Kalispell's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $1 $9,999 Learn MoreShow Less
Money Market
0.30% $10,000 $24,999 Learn MoreShow Less
Money Market
0.40% $25,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
0.15% $10,000 $99,999 Learn MoreShow Less
3 Mo CD
0.15% $100,000 - Learn MoreShow Less
0.30% $10,000 $99,999 Learn MoreShow Less
6 Mo CD
0.30% $100,000 - Learn MoreShow Less
0.85% $10,000 $99,999 Learn MoreShow Less
12 Mo CD
0.85% $100,000 - Learn MoreShow Less
1.00% $10,000 $99,999 Learn MoreShow Less
18 Mo CD
1.00% $100,000 - Learn MoreShow Less
Special: 24 Mo CD
2.06% $2,500 - Learn MoreShow Less
1.05% $10,000 $99,999 Learn MoreShow Less
24 Mo CD
1.05% $100,000 - Learn MoreShow Less
1.10% $10,000 $99,999 Learn MoreShow Less
36 Mo CD
1.10% $100,000 - Learn MoreShow Less
1.26% $10,000 $99,999 Learn MoreShow Less
48 Mo CD
1.26% $100,000 - Learn MoreShow Less
1.46% $10,000 $99,999 Learn MoreShow Less
60 Mo CD
1.46% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.50% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.50% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - September 22, 2019

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Valley Bank of Kalispell branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Valley Bank of Kalispell Locations


Financial Details

Valley Bank of Kalispell Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Valley Bank of Kalispell. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Valley Bank of Kalispell U.S. Bank Average
9.11% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Valley Bank of Kalispell had $973,000 in non-current loans and $441,000 in owned real estate. To cover these potential losses it had $14,119,000 in equity and $1,408,000 in loans loss reserves. That gives it a Texas Ratio of 9.11%.

Return on Equity
Valley Bank of Kalispell U.S. Bank Average
51.26% 9.47%

Valley Bank of Kalispell has a Return on Equity of 51.26% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Valley Bank of Kalispell U.S. Bank Average
11.71% 12.49%

Valley Bank of Kalispell has a Capitalization of 11.71% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Valley Bank of Kalispell Balance Sheet Analysis

As of March 31, 2019, Valley Bank of Kalispell had assets of $120,558,000, loans of $94,386,000, and deposits of $102,544,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.11 billion
LIABILITIES
Total deposits $0.10 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.10 billion
      % insured (estimated) 83.77%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.11 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Valley Bank of Kalispell’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Montana, Valley Bank of Kalispell has a significantly higher percent of Credit Card Loans, Construction and Development Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 32.77
Multifamily
Mortgages
0.00
Credit Card Loans 1.48
Consumer Auto Loans 2.21
Small Business Loans 0.00
Construction and Development Loans 15.30
Commercial Real Estate 23.34
Commercial and Industrial Loans 21.67
Farm Loans 0.72

Frequently Asked Questions About Valley Bank Of Kalispell

Branches and Savings

Is Valley Bank Of Kalispell FDIC insured?

Yes. It is covered under FDIC Certificate #1980.

Why does Valley Bank Of Kalispell pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Valley Bank Of Kalispell CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Valley Bank Of Kalispell a commercial bank?

Yes

Where are Valley Bank Of Kalispell locations?

See branch locations nearby.

Is Valley Bank Of Kalispell open on Saturdays?

Is Valley Bank Of Kalispell open on Sundays?

What time does Valley Bank Of Kalispell open?

What time does Valley Bank Of Kalispell close?

Are Valley Bank Of Kalispell ATMs Open 24/7?

Do Valley Bank Of Kalispell ATMs accept cash deposits?

Can Valley Bank Of Kalispell customers use other ATMs?

Do Valley Bank Of Kalispell branches have notaries?

Will Valley Bank Of Kalispell notarize my document?

What address for Valley Bank Of Kalispell should I put for incoming ACH transfers?

Will the Valley Bank Of Kalispell branch print checks?

Do Valley Bank Of Kalispell checks expire?

Does Valley Bank Of Kalispell require US citizenship to open account?

Can Valley Bank Of Kalispell close my account?

Does Valley Bank Of Kalispell Report to credit bureaus?

Does Valley Bank Of Kalispell Use Equifax?

What is Valley Bank Of Kalispell's ACH Routing Number?

What is Valley Bank Of Kalispell's SWIFT code?

Products

Does Valley Bank Of Kalispell offer mortgages?

Compare mortgage rates here.

Does Valley Bank Of Kalispell offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Valley Bank Of Kalispell offer personal loans?

Compare personal loan rates here.

Does Valley Bank Of Kalispell offer student loans?

Will Valley Bank Of Kalispell cash a check?

Will Valley Bank Of Kalispell redeem a savings bond?

Does Valley Bank Of Kalispell cash savings bonds?

Will Valley Bank Of Kalispell cash money orders?

Can Valley Bank Of Kalispell issue a money order?

Does Valley Bank Of Kalispell do currency exchange?

Background on The Bank

Who owns Valley Bank Of Kalispell?

How long has Valley Bank Of Kalispell been around?

Can Valley Bank Of Kalispell transfer to other banks?

Does Valley Bank Of Kalispell have quick pay?

Does Valley Bank Of Kalispell accept rolled coins?

Will Valley Bank Of Kalispell accept loose change?

Where is Valley Bank Of Kalispell headquarters?

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