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Platte Valley Bank

$1B-$10B Specialty: Agricultural NE FDIC cert 34211

Designations: ✓ Community bank

Scottsbluff, NE

12 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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
  • Deposits +11.7% year over year ($1.1B on the books).
  • Delinquency rate 0.58%.
  • Return on assets 1.23%.
  • Efficiency ratio 59.96% vs a 59.73% peer average.
  • Loan-to-deposit ratio 86.08% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 21 in NE
View $1B-$10B leaderboard (NE) →

Platte Valley Bank has 2 strengths but faces 3 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

  • + Net Interest Margin 0.38% above tier average
  • + Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 41.9% in tier
  • - ROA 0.16% below tier average
  • - Efficiency Ratio 0.23% above tier average
Get updates when Platte Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $1.2B
+9.8% YoY +1.5% QoQ
-$1.5B $2.8B
-0.6% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $922.8M
+5.7% YoY -1.9% QoQ
-$1.0B $2.0B
-0.3% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $1.1B
+11.7% YoY +2.5% QoQ
-$1.2B $2.3B
-0.5% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 1.23%
+3.1% YoY +1.8% QoQ
-0.16% 1.39%
+17.0% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
47%
Net Interest Margin ? 4.25%
+5.6% YoY +0.9% QoQ
+0.38% 3.87%
+6.2% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 59.96%
+1.1% YoY +0.2% QoQ
+0.23% 59.73%
-12.6% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 0.58%
-18.2% YoY -5.5% QoQ
-0.29% 0.87%
+11.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
46%
Loan-to-Deposit Ratio ? 86.08%
-5.3% YoY -4.3% QoQ
+1.05% 85.04%
-0.1% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
53%
Non-Interest-Bearing Deposit Share ? 18.33%
-8.1% YoY -4.7% QoQ
-2.95% 21.27%
-1.5% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.44%
-26.8% YoY -19.0% QoQ
-0.23% 0.67%
+11.7% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 9.54%
-0.8% YoY +1.5% QoQ
-5.30% 14.84%
-0.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 2.1% in tier
Non-Interest Income / Assets ? 0.30%
+3.9% YoY +95.2% QoQ
-0.23% 0.53%
+2.5% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
51%

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 18.3%
-1.6pp YoY
-0.9pp QoQ
 -3.0pp 21.4% 17.6% 22.2% 42%
Brokered Deposits 2.4%
-0.2pp YoY
0.0pp QoQ
 -7.0pp 9.5% 8.9% 8.5% 31%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 18.9%
+0.2pp YoY
+0.5pp QoQ
 +4.9pp 14.0% 12.3% 12.5% 78%
CRE 21.3%
+2.6pp YoY
+1.3pp QoQ
 -28.7pp 50.0% 32.3% 41.4% 5%
1-4 Family 26.1%
-0.3pp YoY
+0.9pp QoQ
 -0.3pp 26.4% 16.9% 31.3% 57%
Consumer 6.9%
-0.8pp YoY
0.0pp QoQ
 +2.2pp 4.7% 3.1% 5.0% 85%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 16.1% 19.7% n/a
Leverage Ratio 9.5%
-0.1pp YoY
+0.1pp QoQ
 -1.8pp 11.3% 12.1% 12.6% 23%
Total Capital Ratio n/a n/a 16.7% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 244
+21 (+9.4%) YoY
+14 (+6.1%) QoQ
 -70 313 98 482 53%
Assets per Employee ($) $5.1M
+0.4% YoY
-4.3% QoQ
 -$5.4M $10.5M $8.5M $8.8M 4%
Branch Count 12
+2 (+20.0%) YoY
0 QoQ
 -8 20 7 18 39%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.4%
0.0pp YoY
0.0pp QoQ
 +0.2pp 0.2% 0.4% 0.4% 91%
Nonaccrual 0.2%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 0.8% 0.8% 1.0% 23%
Allowance Coverage 2.41x
+40.4% YoY
+10.0% QoQ
 -16.30x 18.71x 31.69x 20.23x 56%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 12.8%
+0.2pp YoY
+0.3pp QoQ
 +0.2pp 12.6% 12.3% 11.6% 55%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.9% 1.9% 1.7% 51%
Net Income ($, YTD) $7.5M
+11.5% YoY
— QoQ
 -$11.8M $19.2M $6.1M $40.4M 27%

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)

Capital Thin

risk
#94 of 222 • Bottom 41.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.54%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

183
Net Interest Margin
profitability
Value: 4.25%
Peer Median: 3.87%
#183 of 885 Top 20.6% in $1B-$10B

Top Weaknesses (3 metrics)

867
Tier 1 Capital Ratio
capital
Value: 9.54%
Peer Median: 14.84%
#867 of 885 Bottom 2.1% in $1B-$10B
708
Total Assets
size
Value: $1.25B
Peer Median: $2.79B
#708 of 885 Bottom 20.1% in $1B-$10B
701
Total Deposits
size
Value: $1.07B
Peer Median: $2.32B
#701 of 885 Bottom 20.9% in $1B-$10B
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