BlastPoint's Banking Scorecard

Bank of the Valley

$100M-$1B Specialty: Agricultural NE FDIC cert 25291

Bellwood, NE

7 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

Bank of the Valley has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 27.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 23.0% in tier
- ROA 0.49% below tier average
- Net Interest Margin 0.10% below tier average
- Efficiency Ratio 6.59% above tier average

Get updates when Bank of the Valley releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$557.4M +3.7% YoY +2.7% QoQ	+$171.3M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$439.7M +4.0% YoY +2.3% QoQ	+$184.0M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$475.1M +2.6% YoY +4.1% QoQ	+$147.2M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	0.78% +6.1% YoY +10.5% QoQ	-0.49%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	3.83% +9.2% YoY +3.3% QoQ	-0.10%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	71.87% -11.9% YoY -5.7% QoQ	+6.59%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	0.05% -42.7% YoY -3.2% QoQ	-0.84%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	92.54% +1.3% YoY -1.7% QoQ	+15.90%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	10.83% -3.9% YoY -2.6% QoQ	-11.19%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	Bottom 12.3% in tier
Nonperforming Asset Ratio ?	0.04% -42.5% YoY -3.5% QoQ	-0.60%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	11.59% +0.2% YoY -0.8% QoQ	-4.24%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.05% -1.6% YoY -76.5% QoQ	-0.23%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	17%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#181 of 664 • Top 27.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#149 of 643 • Bottom 23.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.54%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

440

Total Loans

size

Value: $439.67M

Peer Median: $255.72M

#440 of 2664 Top 16.5% in $100M-$1B

541

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#541 of 2664 Top 20.3% in $100M-$1B

546

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#546 of 2654 Top 20.5% in $100M-$1B

611

Total Deposits

size

Value: $475.14M

Peer Median: $327.97M

#611 of 2664 Top 22.9% in $100M-$1B

613

Total Assets

size

Value: $557.43M

Peer Median: $386.08M

#613 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (4 metrics)

2337

Non-Interest-Bearing Deposit Share

funding

Value: 10.83%

Peer Median: 22.02%

#2337 of 2664 Bottom 12.3% in $100M-$1B

2202

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2202 of 2664 Bottom 17.4% in $100M-$1B

2150

Loan-to-Deposit Ratio

liquidity

Value: 92.54%

Peer Median: 76.64%

#2150 of 2664 Bottom 19.3% in $100M-$1B

1999

Return on Assets

profitability

Value: 0.78%

Peer Median: 1.27%

#1999 of 2664 Bottom 25.0% in $100M-$1B