This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Belt, MT
Health score
86.7
Total assets
$89.9M
Bank
Butte, MT
Health score
61.2
Total assets
$69.4M
Answer first
Belt Valley Bank leads on financial health and capitalization and profitability and growth; First Citizens Bank of Butte leads on lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Belt Valley Bank
Higher TFS health score
Capitalization
Belt Valley Bank
Higher comparable capital ratio
Profitability
Belt Valley Bank
Higher return on assets
Lending quality
First Citizens Bank of Butte
Lower problem-loan measure
Growth
Belt Valley Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Belt Valley Bank | First Citizens Bank of Butte |
|---|---|---|
| TFS health score | 86.7/100Leads | 61.2/100 |
| Total assets | $89.9M | $69.4M |
| Total deposits / shares | $74.0M | $49.7M |
| Tier 1 capital ratio | 14.83%Leads | 13.48% |
| Return on assets | 2.01%Leads | 0.91% |
| Return on equity | 13.72%Leads |
Belt Valley Bank
1 branches
First Citizens Bank of Butte
1 branches
Both institutions report branches in 1 state: MT.
Belt Valley Bank
Unavailable
First Citizens Bank of Butte
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Belt Valley Bank
0 in TFS registry
First Citizens Bank of Butte
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Belt Valley Bank score | Belt Valley Bank ROA | First Citizens Bank of Butte score | First Citizens Bank of Butte ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.81% | — | 1.14% |
| 2024-Q4 | — | 1.64% | — | 1.20% |
| 2025-Q1 | — | 2.07% | — | 0.91% |
| 2025-Q2 | — | 2.05% | — | 0.90% |
| 2025-Q3 | — | 2.04% | — | 0.91% |
| 2025-Q4 | — | 1.66% | — | — |
| 2026-Q1 | 85.1/100 |
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Coverage boundaries
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 7.65% |
| Non-performing loans | 3.85% | 0.00%Leads |
| Net charge-offs | 0.00% | 0.00%Leads |
| Efficiency ratio | 48.41%Leads | 77.45% |
| Loan-to-deposit ratio | 98.67% | 70.83% |
| Asset growth (YoY) | 10.55%Leads | -13.54% |
| Deposit / share growth (YoY) | 11.54%Leads | -7.76% |
| Branches | 1 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.83% |
| — |
| — |
| 2026-Q2 | 86.7/100 | 2.01% | — | — |