Question 1

What is Belt Valley Bank?

Accepted Answer

Belt Valley Bank is a locally owned, full-service, independent community bank serving Central Montana since 1936. With approximately $82.9 million in total assets and $67.9 million in deposits, the bank operates as a state-chartered commercial bank and is a member of the Federal Reserve System.

Belt Valley Bank is the 45th largest bank in Montana, focusing on providing personalized banking services to individuals, businesses, and agricultural customers throughout the region. The bank emphasizes customer service and community involvement while maintaining its independence as a locally owned institution.

Question 2

When was Belt Valley Bank founded?

Accepted Answer

Belt Valley Bank was founded on March 14, 1936 in Belt, Montana, under its original name Belt Valley Bank. The bank was established during the Great Depression era to serve the financial needs of the local community and surrounding rural areas.

On March 17, 1937, just over a year after its founding, the bank became a member of the Federal Reserve System and changed its classification to a state-chartered bank under Federal Reserve supervision. This transition strengthened its regulatory standing and demonstrated its commitment to long-term stability.

The bank has remained true to its founding mission of serving as a hometown financial partner for nearly nine decades.

Question 3

Where is Belt Valley Bank headquartered?

Accepted Answer

Belt Valley Bank is headquartered in Belt, Montana, a small town located in Cascade County. The bank's main office is located at 111 Castner Street, Belt, MT 59412.

The bank relocated to this address on April 19, 1990, where it continues to operate today. Belt is situated in the Great Falls, Montana metropolitan statistical area.

Question 4

Where does Belt Valley Bank operate?

Accepted Answer

Belt Valley Bank operates exclusively from its single branch location in Belt, Montana. The bank serves Central Montana, including Cascade County and the surrounding rural communities in the Great Falls region.

Despite having only one physical location, the bank extends its reach through digital banking services, allowing customers throughout Central Montana to access their accounts remotely. The bank's service area primarily focuses on the local community of Belt and neighboring towns.

Question 5

What services does Belt Valley Bank offer?

Accepted Answer

Belt Valley Bank offers a comprehensive range of personal and business banking products and services, including:

Deposit Accounts: Checking accounts (including interest-bearing options and "Checkless Checking"), business checking, money market accounts, passbook savings accounts, and certificates of deposit with various terms at competitive rates.

Loan Products: The bank specializes in agricultural, commercial, consumer, and real estate lending. Specific loan offerings include livestock and equipment purchases, auto loans, home mortgages, machinery financing, operating expense loans, personal loans, home equity loans, construction loans, and commercial real estate financing.

Digital Banking Services: Belt Valley Bank provides 24/7 online banking through its website at www.beltvalleybank.com. The bank offers a mobile banking app available on iOS and Android platforms, featuring mobile check deposit, fund transfers between accounts, loan payments, bill pay services, balance inquiries, and bank notifications.

Additional Services: VISA Check/Debit Cards, pre-authorized electronic payments, direct deposit services, overdraft protection, e-statements, and access to customer calculators for financial planning.

Question 6

What makes Belt Valley Bank unique?

Accepted Answer

Belt Valley Bank distinguishes itself through its commitment to local ownership and community involvement. The bank has remained independently owned for nearly 90 years, resisting consolidation trends that have affected many small community banks.

The bank's directors, officers, and staff actively participate in community events and maintain a hands-on approach to customer service. With only 14 employees and a single location, the bank offers personalized attention that larger institutions cannot match.

Belt Valley Bank's agricultural lending specialization sets it apart in Central Montana, with dedicated loan products for livestock purchases, farm equipment, and operating expenses that reflect an understanding of the region's ranching and farming economy. The bank's routing number (092905207) serves customers for ACH transfers, wire transactions, and other electronic banking needs.

The institution maintains strong financial performance, with a return on assets (ROA) of 2.04% and return on equity (ROE) of 13.49%, demonstrating effective management and profitability well above many peer institutions.

Question 7

What type of financial institution is Belt Valley Bank?

Accepted Answer

Belt Valley Bank is a State-Chartered Commercial Bank that is a member of the Federal Reserve System (FRS). The bank is supervised by the Federal Reserve Board (FRB) as its primary federal regulatory agency.

As a commercial bank, Belt Valley Bank provides a full spectrum of banking services to individuals, businesses, and agricultural customers, combining retail banking operations with commercial and agricultural lending capabilities. The bank is FDIC-insured under Certificate #15362, providing deposit insurance protection up to applicable limits for its customers.

This classification reflects the bank's dual focus on serving both consumer banking needs and the commercial lending requirements of businesses and farms in its market area.

Belt Valley Bank

in the United States 🇺🇸

Crypto-Friendliness

All done!

About Belt Valley Bank in the United States