Elkhorn Valley Bank & Trust
Norfolk, NE · Cert 16553 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Feo Investments Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$1.5BAssets
$1.1BLoans
$1.1BDeposits
$153.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 92% of banks $1B-$10B in assets operating regionally (rank 15 of 176).
- Widest gap: net charge-offs / loans trails 89% of banks $1B-$10B in assets operating regionally (rank 157 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.22%
Rank 92 of 176
Net Interest Margin
3.22%
Rank 137 of 176
Efficiency Ratio
45.06%
Rank 15 of 176
Equity / Assets
10.26%
Rank 92 of 176
Non-interest income vs. expense
Unfavorable gap of $17.8M · efficiency ratio beats 92% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.93% | 1.26% | 1.54% | Beats 48% | 92 / 176 | | |
| Return on Equity | 11.86% | 9.26% | 11.89% | 14.46% | Beats 49% | 90 / 176 | | |
| Net Interest Margin | 3.22% | 3.25% | 3.59% | 3.93% | Beats 22% | 137 / 176 | | |
| Efficiency Ratio | 45.06% | 52.79% | 59.55% | 67.66% | Beats 92% | 15 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.30% | 0.64% | 1.32% | Beats 67% | 59 / 176 | | |
| Net Charge-Offs / Loans | 0.19% | 0.01% | 0.04% | 0.10% | Beats 11% | 157 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.90% | 11.15% | 12.72% | 14.15% | Beats 53% | 83 / 176 | | |
| Total Risk-Based Capital Ratio | 14.15% | 11.81% | 13.63% | 15.33% | Beats 60% | 71 / 176 | | |
| Equity / Assets | 10.26% | 9.16% | 10.35% | 11.80% | Beats 48% | 92 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.12% | 80.94% | 89.73% | 97.21% | 74th pctl | 45 / 176 | | |
| Loans / Assets | 72.88% | 69.25% | 75.12% | 80.82% | 39th pctl | 108 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |