Valley Bank of Ronan

Headquarters

63659 Us Highway 93 South
Ronan, MT 59864
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 1.05% →
1-Year CD 0.20% 1.05% →
2-Year CD 0.30% 1.11% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Valley Bank of Ronan is an FDIC insured institution located in Ronan, MT. It was founded in 1984 and has approximately $0.11 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 24966
Date Established 1984
Assets $ 107.21 million
Loans $ 64.23 million
Deposits $ 95.30 million
Capital $ 11.69 million
 

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

Deposit Rates - August 12, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.03% $2,500 $4,999 Learn More
Money Market
0.03% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.07% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.05% $10,000 $14,999 Learn More
3 Mo CD
0.05% $100,000 $199,999 Learn More
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.20% $100,000 $199,999 Learn More
24 Mo CD
0.30% $10,000 $14,999 Learn More
24 Mo CD
0.30% $100,000 $199,999 Learn More
48 Mo CD
0.40% $10,000 $14,999 Learn More
48 Mo CD
0.40% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 12, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Valley Bank of Ronan

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to Valley Bank of Ronan
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Valley Bank of Ronan 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 Ronan Locations


Financial Details

Valley Bank of Ronan Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Valley Bank of Ronan. 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 Ronan U.S. Bank Average
23.19% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, Valley Bank of Ronan had $2,945,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $11,693,000 in equity and $1,009,000 in loans loss reserves. That gives it a Texas Ratio of 23.19%.

Return on Equity
Valley Bank of Ronan U.S. Bank Average
5.93% 7.80%

Valley Bank of Ronan has a Return on Equity of 5.93% versus the BestCashCow average of 7.80%. 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 Ronan U.S. Bank Average
10.91% 12.68%

Valley Bank of Ronan has a Capitalization of 10.91% versus the BestCashCow average of 12.68. 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 Ronan Balance Sheet Analysis

As of March 31, 2020, Valley Bank of Ronan had assets of $107,214,000, loans of $64,228,000, and deposits of $95,296,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 32.24 million
Interest-bearing balances $ 27.19 million
Total securities $ 6.07 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 64.23 million
Loan loss allowance $ 1.01 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.38 million
All other assets $ 3.16 million
     Total Assets $ 95.52 million
LIABILITIES
Total deposits $ 95.30 million
      Interest-bearing deposits $ 55.29 million
      Deposits held in domestic offices $ 95.30 million
      % insured (estimated) 91.39%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.23 million
      Total Liabilities $ 95.52 million
      Shareholders’ Equity $ 11.69 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.22 million
Total Interest Expense $ 0.03 million
Net interest income $ 1.19 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.17 million
Total non interest expense $ 1.10 million
Pre-tax Net Operating Income $ 0.24 million

Bank Loan Profile?

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

Compared to other banks in Montana, Valley Bank of Ronan has a significantly higher percent of Consumer Auto 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 22.52
Multifamily
Mortgages
1.34
Credit Card Loans 0.00
Consumer Auto Loans 6.49
Small Business Loans 0.00
Construction and Development Loans 7.26
Commercial Real Estate 15.25
Commercial and Industrial Loans 24.61
Farm Loans 14.23

Frequently Asked Questions About Valley Bank Of Ronan

Branches and Savings

Is Valley Bank Of Ronan FDIC insured?

Yes. It is covered under FDIC Certificate #24966.

Why does Valley Bank Of Ronan 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 Ronan CD rates not competitive?

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

Is Valley Bank Of Ronan a commercial bank?

Yes

Where are Valley Bank Of Ronan locations?

See branch locations nearby.

Is Valley Bank Of Ronan open on Saturdays?

Is Valley Bank Of Ronan open on Sundays?

What time does Valley Bank Of Ronan open?

What time does Valley Bank Of Ronan close?

Are Valley Bank Of Ronan ATMs Open 24/7?

Do Valley Bank Of Ronan ATMs accept cash deposits?

Can Valley Bank Of Ronan customers use other ATMs?

Do Valley Bank Of Ronan branches have notaries?

Will Valley Bank Of Ronan notarize my document?

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

Will the Valley Bank Of Ronan branch print checks?

Do Valley Bank Of Ronan checks expire?

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

Can Valley Bank Of Ronan close my account?

Does Valley Bank Of Ronan Report to credit bureaus?

Does Valley Bank Of Ronan Use Equifax?

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

What is Valley Bank Of Ronan's SWIFT code?

Products

Does Valley Bank Of Ronan offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Valley Bank Of Ronan offer personal loans?

Compare personal loan rates here.

Does Valley Bank Of Ronan offer student loans?

Will Valley Bank Of Ronan cash a check?

Will Valley Bank Of Ronan redeem a savings bond?

Does Valley Bank Of Ronan cash savings bonds?

Will Valley Bank Of Ronan cash money orders?

Can Valley Bank Of Ronan issue a money order?

Does Valley Bank Of Ronan do currency exchange?

Background on The Bank

Who owns Valley Bank Of Ronan?

How long has Valley Bank Of Ronan been around?

Can Valley Bank Of Ronan transfer to other banks?

Does Valley Bank Of Ronan have quick pay?

Does Valley Bank Of Ronan accept rolled coins?

Will Valley Bank Of Ronan accept loose change?

Where is Valley Bank Of Ronan headquarters?

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