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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.26% | 1.33% | 1.42% | 1.51% | 1.47% | 1.55% | 1.53% | +12 bps | |
| Return on Equity | 10.79% | 12.61% | 13.23% | 14.40% | 15.32% | 14.81% | 16.10% | 16.15% | +175 bps | |
| Net Interest Margin | 3.44% | 3.90% | 4.07% | 4.06% | 4.03% | 4.40% | 4.21% | 4.24% | +17 bps | |
| Efficiency Ratio | 63.98% | 61.95% | 59.32% | 56.55% | 55.49% | 58.38% | 54.99% | 56.59% | +4 bps | |
| Non-Interest Burden | 2.09% | 2.30% | 2.28% | 2.21% | 2.06% | 2.45% | 2.14% | 2.28% | +6 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 | -0.01% | -0.06% | -0.05% | -0.03% | -0.03% | 0.00% | 0.01% | 0.00% | +4 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 | |