BlastPoint's Banking Scorecard
Elkhorn Valley Bank & Trust
Designations: ✓ Community bank
Norfolk, NE
8 branches across NE · SD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
- Deposits +2.0% year over year ($1.1B on the books).
- Delinquency rate 0.40%.
- Return on assets 1.25%.
- Efficiency ratio 45.00% vs a 59.73% peer average.
- Loan-to-deposit ratio 95.79% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Elkhorn Valley Bank & Trust has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.73% below tier average
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.31% below tier average
- - ROA 0.14% below tier average
- - Net Interest Margin 0.44% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+8.6% YoY
+3.8% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$1.1B
+9.0% YoY
+2.9% QoQ
|
-$891.7M |
$2.0B
-0.3% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$1.1B
+2.0% YoY
-2.0% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
1.25%
+15.0% YoY
-11.5% QoQ
|
-0.14% |
1.39%
+17.0% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
3.43%
+11.8% YoY
+1.4% QoQ
|
-0.44% |
3.87%
+6.2% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
45.00%
-15.1% YoY
-2.5% QoQ
|
-14.73% |
59.73%
-12.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 11.4% in tier |
| Delinquency Rate ? |
0.40%
-37.9% YoY
-56.0% QoQ
|
-0.47% |
0.87%
+11.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
95.79%
+6.9% YoY
+5.0% QoQ
|
+10.75% |
85.04%
-0.1% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
5.96%
-9.7% YoY
-4.0% QoQ
|
-15.31% |
21.27%
-1.5% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.2% in tier |
| Nonperforming Asset Ratio ? |
0.28%
-37.7% YoY
-56.4% QoQ
|
-0.39% |
0.67%
+11.7% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
12.90%
+2.1% YoY
-0.1% QoQ
|
-1.94% |
14.84%
-0.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.19%
+14.0% YoY
+71.1% QoQ
|
-0.33% |
0.53%
+2.5% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
30% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
6.0%
-0.6pp YoY -0.2pp QoQ |
-15.4pp | 21.4% | 17.6% | 22.2% | 5% |
| Brokered Deposits |
3.6%
-1.3pp YoY +0.1pp QoQ |
-5.9pp | 9.5% | 8.9% | 8.5% | 38% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.9%
-2.0pp YoY -0.4pp QoQ |
+0.9pp | 14.0% | 12.3% | 12.5% | 67% |
| CRE |
36.6%
+1.4pp YoY +0.3pp QoQ |
-13.4pp | 50.0% | 32.3% | 41.4% | 18% |
| 1-4 Family |
11.3%
-0.5pp YoY -0.4pp QoQ |
-15.1pp | 26.4% | 16.9% | 31.3% | 20% |
| Consumer |
1.5%
-0.4pp YoY -0.1pp QoQ |
-3.2pp | 4.7% | 3.1% | 5.0% | 54% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.9%
+0.3pp YoY 0.0pp QoQ |
-2.7pp | 15.6% | 16.1% | 19.7% | 40% |
| Leverage Ratio |
10.5%
+0.4pp YoY +0.1pp QoQ |
-0.8pp | 11.3% | 12.1% | 12.6% | 50% |
| Total Capital Ratio |
14.1%
+0.3pp YoY 0.0pp QoQ |
-2.5pp | 16.7% | 17.3% | 20.8% | 41% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
116
+4 (+3.6%) YoY +5 (+4.5%) QoQ |
-198 | 313 | 98 | 482 | 12% |
| Assets per Employee ($) |
$12.9M
+4.8% YoY -0.7% QoQ |
+$2.4M | $10.5M | $8.5M | $8.8M | 83% |
| Branch Count |
8
0 YoY 0 QoQ |
-12 | 20 | 7 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.5pp YoY -0.3pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 73% |
| Nonaccrual |
0.3%
+0.3pp YoY -0.2pp QoQ |
-0.5pp | 0.8% | 0.8% | 1.0% | 33% |
| Allowance Coverage |
3.50x
+70.6% YoY +130.7% QoQ |
-15.21x | 18.71x | 31.69x | 20.23x | 68% |
| Net Charge-off Rate (YTD) |
0.4%
+0.3pp YoY +0.4pp QoQ |
+0.1pp | 0.3% | 0.1% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.1%
+0.7pp YoY -1.5pp QoQ |
-0.5pp | 12.6% | 12.3% | 11.6% | 50% |
| Cost of Funds (YTD) |
2.5%
-0.3pp YoY 0.0pp QoQ |
+0.6pp | 1.9% | 1.9% | 1.7% | 85% |
| Net Income ($, YTD) |
$9.1M
+21.5% YoY — QoQ |
-$10.2M | $19.2M | $6.1M | $40.4M | 35% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.