BlastPoint

BlastPoint's Banking Scorecard

Valley Bank of Nevada

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

North Las Vegas, NV

3 branches across NV

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 8 in NV.
  • Deposits +0.6% year over year ($211.5M on the books).
  • Delinquency rate 0.62%.
  • Return on assets 0.56%.
  • Efficiency ratio 75.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.46% 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 8 in NV
View $100M-$1B leaderboard (NV) →

Valley Bank of Nevada has 2 strengths 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 19.97% above tier average
  • + Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 17.4% in tier
  • - Non-Interest Income / Assets 0.53% below tier average
  • - ROA 0.77% below tier average
  • - Net Interest Margin 0.46% below tier average
  • - Efficiency Ratio 11.18% above tier average
Get updates when Valley Bank of Nevada releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Total Assets ? $240.8M
+1.1% YoY -3.8% QoQ
-$145.8M $386.6M
+1.2% YoY
$3.1B
+2.3% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $134.2M
+3.8% YoY +0.4% QoQ
-$124.1M $258.3M
+1.7% YoY
$1.6B
+20.6% YoY
$3.2B
+9.4% YoY
30%
Total Deposits ? $211.5M
+0.6% YoY -4.5% QoQ
-$115.2M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 0.56%
-27.3% YoY +4.2% QoQ
-0.77% 1.32%
+10.8% YoY
3.59%
+7.1% YoY
1.30%
+12.1% YoY
Bottom 13.8% in tier
Net Interest Margin ? 3.52%
-11.1% YoY -1.3% QoQ
-0.46% 3.99%
+5.0% YoY
5.65%
+11.1% YoY
3.95%
+4.9% YoY
29%
Efficiency Ratio ? 75.66%
+7.7% YoY +2.1% QoQ
+11.18% 64.48%
-3.2% YoY
55.66%
-2.7% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.62%
-5.0% YoY -59.7% QoQ
-0.29% 0.92%
+15.7% YoY
1.02%
-35.3% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 63.46%
+3.2% YoY +5.1% QoQ
-14.49% 77.95%
+1.0% YoY
86.66%
+13.2% YoY
79.03%
+2.3% YoY
79%
Non-Interest-Bearing Deposit Share ? 42.00%
-14.1% YoY +12.8% QoQ
+19.97% 22.03%
-0.6% YoY
21.87%
-6.7% YoY
21.98%
-0.6% YoY
Top 3.5% in tier
Nonperforming Asset Ratio ? 0.35%
-2.5% YoY -58.0% QoQ
-0.32% 0.67%
+16.4% YoY
0.74%
+3.7% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 15.56%
-1.0% YoY +1.1% QoQ
-0.35% 15.91%
+1.4% YoY
23.41%
+6.1% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.04%
-13.0% YoY +105.8% QoQ
-0.53% 0.57%
+7.6% YoY
2.78%
+2.3% YoY
0.66%
+5.2% YoY
Bottom 4.0% in tier

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 (NV) National Avg Tier Percentile
Noninterest-Bearing 42.0%
-6.9pp YoY
+4.8pp QoQ
 +19.9pp 22.1% 25.5% 22.2% 96%
Brokered Deposits n/a n/a 7.9% 31.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
C&I 15.5%
+2.6pp YoY
+1.5pp QoQ
 +4.0pp 11.6% 22.5% 12.5% 78%
CRE n/a n/a 39.5% 68.4% 41.4% n/a
1-4 Family 1.8%
-0.3pp YoY
-0.2pp QoQ
 -30.8pp 32.6% 12.7% 31.3% 2%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.1% 31.5% 5.0% 7%

Capital

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
CET1 Ratio 15.6%
-0.2pp YoY
+0.2pp QoQ
 -3.3pp 18.8% 29.4% 19.7% 55%
Leverage Ratio 10.3%
+0.3pp YoY
+0.2pp QoQ
 -1.9pp 12.2% 16.3% 12.6% 38%
Total Capital Ratio 16.8%
-0.2pp YoY
+0.2pp QoQ
 -3.1pp 19.9% 30.3% 20.8% 56%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Full-Time Employees 26
-1 (-3.7%) YoY
+1 (+4.0%) QoQ
 -33 58 177 482 21%
Assets per Employee ($) $9.3M
+5.0% YoY
-7.5% QoQ
 +$1.7M $7.5M $17.0M $8.8M 81%
Branch Count 3
0 YoY
0 QoQ
 -2 4 2 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual 0.6%
0.0pp YoY
-0.9pp QoQ
 -0.3pp 0.9% 1.0% 1.0% 59%
Allowance Coverage 2.90x
+10.7% YoY
+149.9% QoQ
 -21.26x 24.15x 4.66x 20.23x 57%
Net Charge-off Rate (YTD) n/a n/a 0.1% 1.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
ROE 5.5%
-2.5pp YoY
+0.2pp QoQ
 -6.7pp 12.2% 17.9% 11.6% 15%
Cost of Funds (YTD) 1.2%
+0.5pp YoY
+0.1pp QoQ
 -0.5pp 1.7% 2.0% 1.7% 18%
Net Income ($, YTD) $665,000
-25.4% YoY
— QoQ
 -$1.9M $2.6M $65.7M $40.4M 15%

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)

Flatlined Growth

risk
#93 of 529 • Bottom 17.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.56%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

93
Non-Interest-Bearing Deposit Share
funding
Value: 42.00%
Peer Median: 22.03%
#93 of 2643 Top 3.5% in $100M-$1B
565
Loan-to-Deposit Ratio
liquidity
Value: 63.46%
Peer Median: 77.95%
#565 of 2643 Top 21.3% in $100M-$1B

Top Weaknesses (3 metrics)

2539
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2539 of 2643 Bottom 4.0% in $100M-$1B
2278
Return on Assets
profitability
Value: 0.56%
Peer Median: 1.32%
#2278 of 2643 Bottom 13.8% in $100M-$1B
2130
Efficiency Ratio
profitability
Value: 75.66%
Peer Median: 64.48%
#2130 of 2643 Bottom 19.4% in $100M-$1B
Powered by BlastPoint © 2026