BlastPoint's Banking Scorecard
Platte Valley Bank
Designations: ✓ Community bank
Scottsbluff, NE
12 branches across NE
Platte Valley Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio 1.23% below tier average
- + Delinquency Rate 0.27% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 39.4% in tier
- - ROA 0.16% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+8.9% YoY
+4.9% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$940.5M
+7.4% YoY
+2.6% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$1.0B
+9.4% YoY
+7.3% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
1.20%
+11.5% YoY
-1.9% QoQ
|
-0.16% |
1.37%
+19.6% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
4.21%
+8.7% YoY
+1.7% QoQ
|
+0.39% |
3.82%
+6.9% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
80% |
| Efficiency Ratio ? |
59.83%
-6.6% YoY
+0.7% QoQ
|
-1.23% |
61.06%
-4.6% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
0.61%
-49.4% YoY
+25.2% QoQ
|
-0.27% |
0.89%
+14.1% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
89.97%
-1.8% YoY
-4.4% QoQ
|
+5.77% |
84.20%
+0.3% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
19.24%
-3.8% YoY
+0.4% QoQ
|
-2.05% |
21.29%
-2.5% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.54%
-43.4% YoY
+22.1% QoQ
|
-0.13% |
0.67%
+15.6% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
9.39%
-2.1% YoY
-7.2% QoQ
|
-5.77% |
15.16%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.5% in tier |
| Non-Interest Income / Assets ? |
0.15%
+11.5% YoY
-74.4% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
54% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.