BlastPoint's Banking Scorecard

Bank of the Valley

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

Bellwood, NE

7 branches across NE

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
Deposits +5.6% year over year ($490.8M on the books).
Delinquency rate 0.05%.
Return on assets 0.87%.
Efficiency ratio 69.81% vs a 64.48% peer average.
Loan-to-deposit ratio 91.80% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE

View $100M-$1B leaderboard (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

+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 22.9% in tier
- ROA 0.45% below tier average
- Net Interest Margin 0.07% below tier average
- Efficiency Ratio 5.33% above tier average

Get updates when Bank of the Valley releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$581.9M +6.5% YoY +4.4% QoQ	+$195.3M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	79%
Total Loans ?	$450.6M +5.0% YoY +2.5% QoQ	+$192.2M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	84%
Total Deposits ?	$490.8M +5.6% YoY +3.3% QoQ	+$164.1M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	0.87% +43.7% YoY +11.0% QoQ	-0.45%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	27%
Net Interest Margin ?	3.91% +9.1% YoY +2.1% QoQ	-0.07%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	48%
Efficiency Ratio ?	69.81% -10.8% YoY -2.9% QoQ	+5.33%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	31%
Delinquency Rate ?	0.05% -79.6% YoY -3.8% QoQ	-0.87%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	91.80% -0.6% YoY -0.8% QoQ	+13.85%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	23%
Non-Interest-Bearing Deposit Share ?	10.07% -3.0% YoY -7.0% QoQ	-11.96%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	Bottom 10.8% in tier
Nonperforming Asset Ratio ?	0.04% -79.9% YoY -5.5% QoQ	-0.63%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	81%
Tier 1 Capital Ratio ?	11.56% +2.0% YoY -0.2% QoQ	-4.35%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.09% +5.0% YoY +107.0% QoQ	-0.47%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	17%

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	10.1% -0.3pp YoY -0.8pp QoQ	-12.1pp	22.1%	17.6%	22.2%	10%
Brokered Deposits	6.5% -20.2pp YoY -0.1pp QoQ	-1.4pp	7.9%	8.9%	8.5%	60%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	8.0% +0.7pp YoY +0.1pp QoQ	-3.6pp	11.6%	12.3%	12.5%	40%
CRE	21.3% +0.5pp YoY +0.2pp QoQ	-18.3pp	39.5%	32.3%	41.4%	20%
1-4 Family	14.2% -1.5pp YoY -0.5pp QoQ	-18.5pp	32.6%	16.9%	31.3%	18%
Consumer	1.1% -0.2pp YoY -0.1pp QoQ	-3.0pp	4.1%	3.1%	5.0%	31%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	11.6% +0.2pp YoY 0.0pp QoQ	-7.3pp	18.8%	16.1%	19.7%	12%
Leverage Ratio	9.9% +0.4pp YoY -0.1pp QoQ	-2.3pp	12.2%	12.1%	12.6%	28%
Total Capital Ratio	12.8% +0.2pp YoY 0.0pp QoQ	-7.1pp	19.9%	17.3%	20.8%	14%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	84 +2 (+2.4%) YoY +1 (+1.2%) QoQ	+25	58	98	482	79%
Assets per Employee ($)	$6.9M +4.0% YoY +3.2% QoQ	-$591K	$7.5M	$8.5M	$8.8M	51%
Branch Count	7 0 YoY 0 QoQ	+2	4	7	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	11%
Allowance Coverage	29.52x +352.8% YoY +1.9% QoQ	+5.37x	24.15x	31.69x	20.23x	91%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	29%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	9.4% +2.7pp YoY +1.0pp QoQ	-2.7pp	12.2%	12.3%	11.6%	33%
Cost of Funds (YTD)	2.6% -0.3pp YoY 0.0pp QoQ	+0.9pp	1.7%	1.9%	1.7%	93%
Net Income ($, YTD)	$2.4M +50.1% YoY — QoQ	-$117K	$2.6M	$6.1M	$40.4M	61%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#159 of 691 • Bottom 22.9% 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: 91.80%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

423

Total Loans

size

Value: $450.57M

Peer Median: $258.35M

#423 of 2643 Top 16.0% in $100M-$1B

511

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#511 of 2643 Top 19.3% in $100M-$1B

538

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.92%

#538 of 2633 Top 20.4% in $100M-$1B

551

Total Assets

size

Value: $581.92M

Peer Median: $386.57M

#551 of 2643 Top 20.8% in $100M-$1B

558

Total Deposits

size

Value: $490.83M

Peer Median: $326.73M

#558 of 2643 Top 21.1% in $100M-$1B

Top Weaknesses (3 metrics)

2358

Non-Interest-Bearing Deposit Share

funding

Value: 10.07%

Peer Median: 22.03%

#2358 of 2643 Bottom 10.8% in $100M-$1B

2200

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2200 of 2643 Bottom 16.8% in $100M-$1B

2048

Loan-to-Deposit Ratio

liquidity

Value: 91.80%

Peer Median: 77.95%

#2048 of 2643 Bottom 22.6% in $100M-$1B