Eagle, NE · Cert 10641 · Tri Valley Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
79
Profitability
79
Liquidity
9
Efficiency
76
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Eagle, NE · Cert 10641 · Tri Valley Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Cheyenne, WY · 2026 SOD (annual) · 9.7% share · #4 of 19 inst. · $0.3B of $3.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.09% | 1.33% | 1.37% | 1.42% | 1.44% | 1.55% | 1.55% | +18 bps | |
| Return on Equity | 10.68% | 11.19% | 13.23% | 13.81% | 14.32% | 14.48% | 16.10% | 16.11% | +230 bps | |
| Net Interest Margin | 3.48% | 3.59% | 4.07% | 3.95% | 3.93% | 4.09% | 4.21% | 4.17% | +22 bps | |
| Efficiency Ratio | 65.89% | 64.85% | 59.32% | 57.92% | 57.07% | 57.42% | 54.99% | 55.79% | -213 bps | |
| Non-Interest Burden | 2.16% | 2.20% | 2.28% | 2.19% | 2.12% | 2.22% | 2.14% | 2.18% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.09% | -1.65% | 0.28% | 4.59% | 5.83% | 9.43% | 12.57% | 9.42% | +482 bps | |
| Loan Growth (YoY) | 8.06% | 6.49% | 9.17% | 11.74% | 9.58% | 10.96% | 14.81% | 15.00% | +326 bps | |
| Deposit Growth (YoY) | 1.57% | -2.39% | -3.02% | 1.71% | 4.78% | 3.22% | 7.01% | 6.54% | +482 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.01% | 0.11% | 0.01% | 0.01% | 0.01% | 0.09% | 0.05% | +4 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.04% | -0.05% | -0.04% | -0.04% | -0.03% | 0.01% | 0.01% | +5 bps | |
| Allowance / Loans | 1.34% | 1.31% | 1.32% | 1.34% | 1.32% | 1.27% | 1.23% | 1.23% | -11 bps | |
| Allowance Coverage of NPLs | 63.0x | 130.5x | 11.6x | 139.4x | 149.0x | 158.8x | 13.1x | 26.7x | -112.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.89% | 10.07% | 10.28% | 9.81% | 9.78% | 10.07% | 9.82% | 9.74% | -6 bps | |
| Total Risk-Based Capital | 9.89% | 10.07% | 12.76% | 9.81% | 9.78% | 10.07% | 9.82% | 9.74% | -6 bps | |
| Equity / Assets | 9.93% | 10.12% | 9.96% | 9.71% | 9.98% | 9.87% | 9.45% | 9.51% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.79% | 96.84% | 97.82% | 94.14% | 97.05% | 104.10% | 104.95% | 101.61% | +748 bps | |
| Liquid Assets / Assets | 1.26% | 1.02% | 1.87% | 0.93% | 0.76% | 0.50% | 2.41% | 0.83% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 422% | 446% | 482% | n/a | n/a | |
Eagle, NE · Cert 10641 · Peer group: banks under $1B in assets operating regionally (n=94) · Tri Valley Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.51%
Rank 20 of 94
Net Interest Margin
4.17%
Rank 25 of 94
Efficiency Ratio
55.99%
Rank 24 of 94
Equity / Assets
9.51%
Rank 64 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.51% | 0.82% | 1.19% | 1.46% | Beats 79% | 20 / 94 | ||
| Return on Equity | 15.84% | 7.85% | 11.84% | 14.03% | Beats 85% | 14 / 94 | ||
| Net Interest Margin | 4.17% | 3.42% | 3.81% | 4.18% | Beats 73% | 25 / 94 | ||
| Efficiency Ratio | 55.99% | 55.99% | 62.41% | 73.02% | Beats 76% | 24 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.19% | 0.47% | 1.14% | Beats 91% | 9 / 94 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 67% | 32 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.74% | 10.28% | 11.95% | 15.07% | Beats 14% | 81 / 94 | ||
| Total Risk-Based Capital Ratio | 9.74% | 10.31% | 12.59% | 15.88% | Beats 12% | 83 / 94 | ||
| Equity / Assets | 9.51% | 8.98% | 10.21% | 11.41% | Beats 32% | 64 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.61% | 72.62% | 84.44% | 94.55% | 86th pctl | 13 / 94 | ||
| Loans / Assets | 86.64% | 62.50% | 72.84% | 78.99% | 97th pctl | 3 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||