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Bank Of Star Valley

IDRSSD: 2396604
Total Assets
Latest filing
Total Deposits
Latest filing
Net Interest Margin
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 2396604 held $404.5M in total assets as of 2026-03-31 (+0.7% quarter-over-quarter). Total loans stood at $231.4M (+1.9% QoQ) and total deposits at $354.6M (+1.0% QoQ).

Overall position is strong — the composite Health Score is 76/100 (Strong). Tier 1 / RWA stands at 17.02%, in the above median of peers. Asset quality (NPL ratio) sits in the above median of peers.

1 Quarterly Anomaly Alert fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
76/100
Strong
Active Alerts
1
1 critical, 0 warning
Total Assets
$404.5M
+0.7% QoQ
Total Loans
$231.4M
+1.9% QoQ
Total Deposits
$354.6M
+1.0% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
17.02%
64th pctile · n=290↑ better
+46 bp QoQ
CET1 / RWA
17.02%
79th pctile · n=500↑ better
+46 bp QoQ
Total RBC / RWA
18.15%
65th pctile · n=290↑ better
+34 bp QoQ
Tier 1 Leverage Ratio
17.02%
79th pctile · n=500↑ better
+46 bp QoQ

Liquidity

Cash / Assets
3.58%
28th pctile · n=500↑ better
+27 bp QoQ
Loans / Deposits
65.27%
24th pctile · n=498↓ better
+54 bp QoQ
Non-Core Funding Dependence
no peer group↓ better

Asset Quality

NPL / Loans
0.13%
33th pctile · n=500↓ better
-5 bp QoQ
NPA / Assets
0.08%
29th pctile · n=500↓ better
-17 bp QoQ
Texas Ratio (regulatory)
0.67%
30th pctile · n=500↓ better
-149 bp QoQ
Net Charge-Offs / Avg Loans
0.06%
78th pctile · n=500↓ better
ALLL Coverage of NPL
924.44%
81th pctile · n=500↑ better
+10200 bp QoQ

Earnings

Net Interest Margin
4.35%
77th pctile · n=500↑ better
-24 bp QoQ
Return on Assets
3.08%
98th pctile · n=500↑ better
+54 bp QoQ
Return on Equity
29.42%
98th pctile · n=500↑ better
+551 bp QoQ
Efficiency Ratio
42.04%
5th pctile · n=500↓ better
+103 bp QoQ
Pre-tax NOI / Avg Assets
3.08%
97th pctile · n=500↑ better
+54 bp QoQ

Funding

Brokered / Deposits
0.00%
26th pctile · n=498↓ better
Core Deposits / Deposits
no peer group↑ better
FHLB Advances / Liabilities
0.00%
21th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
no peer group↓ better
Securities / Assets
36.00%
88th pctile · n=500↑ better
+32 bp QoQ
AFS Securities / Assets
31.38%
87th pctile · n=500↑ better
+39 bp QoQ
HTM Securities / Assets
4.63%
87th pctile · n=500↑ better
-7 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 11:47:01 UTC