BlastPoint's Banking Scorecard
Platte Valley Bank
North Bend, 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 +4.3% year over year ($92.9M on the books).
- Delinquency rate 0.20%.
- Return on assets 1.29%.
- Efficiency ratio 54.40% vs a 64.48% peer average.
- Loan-to-deposit ratio 56.19% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Platte Valley Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.08% below tier average
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 26.8% in tier
- - Net Interest Margin 0.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$107.2M
+4.1% YoY
+1.4% QoQ
|
-$279.3M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.8% in tier |
| Total Loans ? |
$52.2M
+15.7% YoY
+4.2% QoQ
|
-$206.2M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.2% in tier |
| Total Deposits ? |
$92.9M
+4.3% YoY
+1.1% QoQ
|
-$233.9M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.5% in tier |
| Return on Assets ? |
1.29%
+25.9% YoY
+2.4% QoQ
|
-0.03% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
3.68%
+10.7% YoY
+2.4% QoQ
|
-0.31% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
54.40%
-10.6% YoY
-4.0% QoQ
|
-10.08% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
0.20%
+709.6% YoY
-5.9% QoQ
|
-0.72% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
56.19%
+10.9% YoY
+3.0% QoQ
|
-21.77% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
Top 13.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.84%
+5.7% YoY
-0.8% QoQ
|
-1.19% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.10%
+799.6% YoY
-3.2% QoQ
|
-0.57% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
13.87%
-1.3% YoY
+2.1% QoQ
|
-2.04% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.11%
-10.5% YoY
+92.6% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
24% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
20.8%
+1.1pp YoY -0.2pp QoQ |
-1.3pp | 22.1% | 17.6% | 22.2% | 49% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.1%
+1.4pp YoY +0.5pp QoQ |
+4.6pp | 11.6% | 12.3% | 12.5% | 79% |
| CRE | n/a | n/a | 39.5% | 32.3% | 41.4% | n/a |
| 1-4 Family |
7.4%
-0.5pp YoY +0.1pp QoQ |
-25.2pp | 32.6% | 16.9% | 31.3% | 8% |
| Consumer |
4.2%
-1.6pp YoY -0.4pp QoQ |
+0.1pp | 4.1% | 3.1% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
13.9%
-0.2pp YoY +0.3pp QoQ |
+1.7pp | 12.2% | 12.1% | 12.6% | 81% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
+1 (+11.1%) YoY 0 QoQ |
-49 | 58 | 98 | 482 | 1% |
| Assets per Employee ($) |
$10.7M
-6.3% YoY +1.4% QoQ |
+$3.2M | $7.5M | $8.5M | $8.8M | 89% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
+0.2pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.8% | 1.0% | 30% |
| Allowance Coverage |
7.38x
-86.7% YoY +7.6% QoQ |
-16.77x | 24.15x | 31.69x | 20.23x | 78% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
+2.1pp YoY +0.2pp QoQ |
-2.0pp | 12.2% | 12.3% | 11.6% | 38% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.9% | 1.7% | 35% |
| Net Income ($, YTD) |
$686,000
+30.7% YoY — QoQ |
-$1.9M | $2.6M | $6.1M | $40.4M | 16% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.