Vitals
  • Total Assets
    92.8M 0.7 %
  • Total Deposits
    79.7M 1.2 %
  • Total Net Loans
    51.2M -2.7 %
  • Net Income
    1.9M -2.1 %
  • Book Value
    13.0M -2.2 %
  • Book Value x2
    26.0M -2.2 %
  • Book Value x3
    38.9M -2.2 %
ROAA

2.05

ROAE

14.291

Efficiency Ratio

55.911

Net Interest Margin

4.536

Balance Sheet Highlights
Financial Highlights Ruby Valley Bank All Insured Commercial Banks in Montana
Balance Sheet $(000)
Total Assets 92,813 255,215
Total Net Loans 51,164 167,310
Total Deposits 79,729 209,480
Total Equity 12,977 27,768
Profitability
Net Income 1,931 3,773
Return on Average Assets 2.05 1.156
Return on Average Equity 14.291 10.32
Net Interest Margin 4.536 4.175
Efficiency Ratio 55.911 64.895
Noninterest Income/Revenue 6.281 17.262
Balance Sheet Ratios
Loan-to-Deposit 64.172 71.452
Securities/Assets .369 .213
Total Equity/Total Assets .14 .109
Tangible Equity/Tangible Assets .14 .103
Capital Adequacy
Tier 1 Common Capital 13,805 26,784
Tier 1 Capital 13,805 26,784
Tier 2 Capital 779 2,156
Total Capital 14,584 28,932
Total Risk Weighted Assets 61,412 187,374
Leverage Ratio 14.67 10.719
Common Equity Tier 1 Capital Ratio 22.48 15.99
Tier 1 Capital Ratio 22.48 15.99
Total Capital Ratio 23.75 17.149

Timeline for Ruby Valley Bank

Bank Of Sheridan

Acquisition: Ruby Valley Bank acquired a new subsidiary, Bank Of Sheridan, 33 years

View Profile Jan 01 1991

Twinco, Inc.

Twinco, Inc. became a new parent organization for Ruby Valley Bank.

View Profile Apr 12 1983

Paru, Inc.

Paru, Inc. became a new parent organization for Ruby Valley Bank.

View Profile Dec 31 1970

Ruby Valley Bank

Ruby Valley Bank was established 107 years ago and is currently headquartered in Twin Bridges, MT.

Jan 01 1917
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Of Sheridan Seller 11,334 Discontinued 1/1/1991
Relationships Role Relationship Start Relationship End
Twinco, Inc. Parent 1/1/1991
Twinco, Inc. Parent 7/31/1989 12/31/1990
Twinco, Inc. Parent 4/12/1983 7/30/1989
Paru, Inc. Parent 3/31/1983 4/11/1983
Paru, Inc. Parent 11/30/1977 3/30/1983
Paru, Inc. Parent 12/31/1975 11/29/1977
Paru, Inc. Parent 12/31/1973 12/30/1975
Paru, Inc. Parent 12/31/1970 12/30/1973
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