BlastPoint's Banking Scorecard

Valley Bank of Nevada

$100M-$1B Specialty: Commercial NV FDIC cert 57933

North Las Vegas, NV

3 branches across NV

2664 banks in the $100M-$1B peer group nationally 8 in NV

Valley Bank of Nevada has 1 strength but faces 5 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

+ Non-Interest-Bearing Deposit Share 15.23% above tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.74% below tier average
- Net Interest Margin 0.36% below tier average
- Efficiency Ratio 8.78% above tier average
- Delinquency Rate 0.66% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Total Assets ?	$250.4M +5.6% YoY +10.4% QoQ	-$135.7M	$386.1M +0.5% YoY	$3.1B +7.5% YoY	$6.2B +9.1% YoY	37%
Total Loans ?	$133.8M +5.0% YoY +2.4% QoQ	-$122.0M	$255.7M +1.1% YoY	$1.6B +22.3% YoY	$3.2B +10.8% YoY	30%
Total Deposits ?	$221.6M +5.6% YoY +11.8% QoQ	-$106.4M	$328.0M +0.1% YoY	$2.1B +0.1% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	0.53% -30.6% YoY -22.3% QoQ	-0.74%	1.27% +12.9% YoY	3.24% -3.8% YoY	1.23% +13.4% YoY	Bottom 13.8% in tier
Net Interest Margin ?	3.57% -9.0% YoY -5.9% QoQ	-0.36%	3.93% +6.0% YoY	5.24% +3.6% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	74.07% +2.1% YoY +0.4% QoQ	+8.78%	65.29% -4.5% YoY	57.12% -16.3% YoY	66.95% -4.1% YoY	24%
Delinquency Rate ?	1.55% +127.9% YoY +141.7% QoQ	+0.66%	0.89% +18.8% YoY	1.11% -32.2% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	60.36% -0.5% YoY -8.4% QoQ	-16.28%	76.64% +0.8% YoY	80.72% +7.8% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	37.25% -37.1% YoY -15.7% QoQ	+15.23%	22.02% -1.0% YoY	22.43% -7.9% YoY	22.01% -1.2% YoY	Top 7.4% in tier
Nonperforming Asset Ratio ?	0.83% +126.8% YoY +124.1% QoQ	+0.19%	0.64% +19.7% YoY	0.75% -3.5% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	15.39% -0.7% YoY -3.1% QoQ	-0.44%	15.83% +1.5% YoY	22.57% +2.5% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.02% -18.8% YoY -79.6% QoQ	-0.26%	0.28% +9.3% YoY	1.43% +2.0% YoY	0.32% +4.1% YoY	Bottom 4.2% in tier

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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 (0)

No matched concern signatures this quarter

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 (2 metrics)

197

Non-Interest-Bearing Deposit Share

funding

Value: 37.25%

Peer Median: 22.02%

#197 of 2664 Top 7.4% in $100M-$1B

506

Loan-to-Deposit Ratio

liquidity

Value: 60.36%

Peer Median: 76.64%

#506 of 2664 Top 19.0% in $100M-$1B

Top Weaknesses (5 metrics)

2554

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2554 of 2664 Bottom 4.2% in $100M-$1B

2298

Return on Assets

profitability

Value: 0.53%

Peer Median: 1.27%

#2298 of 2664 Bottom 13.8% in $100M-$1B

2192

Delinquency Rate

credit_quality

Value: 1.55%

Peer Median: 0.89%

#2192 of 2654 Bottom 17.4% in $100M-$1B

2025

Efficiency Ratio

profitability

Value: 74.07%

Peer Median: 65.29%

#2025 of 2664 Bottom 24.0% in $100M-$1B

2003

Nonperforming Asset Ratio

credit_quality

Value: 0.83%

Peer Median: 0.64%

#2003 of 2664 Bottom 24.8% in $100M-$1B