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Platte Valley Bank

Scottsbluff, NE · Cert 34211 · Platte Valley Finl Service Companies

State charter, Fed member · FED · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

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.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

13

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Platte Valley Bank

Scottsbluff, NE · Cert 34211 · Platte Valley Finl Service Companies

State charter, Fed member · FED · 2 affiliate banks · 12 branches (25 in holding)

Q2 2026

$1.2BAssets
$935.7MLoans
$1.1BDeposits
$118.9MEquity
Loan mix
69%RE $530.6M23%C&I $173.6M8%Consumer $65.2MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $875.6M18%Noninterest $196.5MQ2 2025Q2 2026

NIM

5.47%Q2 ’245.64%Q2 ’255.67%Q2 ’26+11%+6%

Non-interest income vs. expense

2.69%Q2 ’242.53%Q2 ’252.71%Q2 ’26-6%+7%

Executive Summary

  • Earnings: ROA of 1.23%, up 4 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.57% of loans (-13 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.54%, down 7 bps from a year ago.
  • Funding: loans stand at 87.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+24 bps YoY

Efficiency Ratio (YTD, annualized)

59.96%+65 bps YoY

Tier 1 Leverage Ratio

9.54%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.22%1.23%1.20%1.23%+4 bps
Return on Equity12.56%12.79%12.79%12.53%12.79%+24 bps
Net Interest Margin3.68%3.84%3.87%3.84%3.92%+24 bps
Efficiency Ratio59.31%58.79%59.43%59.83%59.96%+65 bps
Non-Interest Burden1.97%2.04%2.06%2.05%2.11%+14 bps
Growth
Asset Growth (YoY)1.25%2.85%5.42%8.90%9.85%+860 bps
Loan Growth (YoY)2.29%3.79%6.99%7.68%5.90%+361 bps
Deposit Growth (YoY)3.79%4.57%6.65%9.36%11.65%+786 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.57%0.48%0.61%0.57%-13 bps
Net Charge-Offs / Loans0.22%0.22%0.15%0.06%0.09%-13 bps
Allowance / Loans1.20%1.21%1.26%1.33%1.38%+18 bps
Allowance Coverage of NPLs1.7x2.1x2.6x2.2x2.4x+0.7x
Capital
Tier 1 Leverage Ratio9.61%9.98%10.12%9.39%9.54%-7 bps
Total Risk-Based Capital9.61%9.98%10.12%9.39%9.54%-7 bps
Equity / Assets9.60%9.87%9.73%9.51%9.53%-7 bps
Liquidity & Funding
Loans / Deposits92.03%93.89%95.31%91.18%87.29%-474 bps
Liquid Assets / Assets10.42%9.07%8.65%10.99%13.52%+310 bps
CRE / Total Capitaln/a154.52%157.27%163.43%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Platte Valley Bank

Scottsbluff, NE · Cert 34211 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Platte Valley Finl Service Companies

State charter, Fed member · FED · 2 affiliate banks · 12 branches (25 in holding)

Q2 2026

$1.2BAssets
$935.7MLoans
$1.1BDeposits
$118.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 77% of banks $1B-$10B in assets operating in a single state (rank 60 of 258).
  • Widest gap: total risk-based capital ratio trails 97% of banks $1B-$10B in assets operating in a single state (rank 251 of 258).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.20%

Rank 137 of 258

Net Interest Margin

3.92%

Rank 60 of 258

Efficiency Ratio

60.21%

Rank 128 of 257

Equity / Assets

9.53%

Rank 169 of 258

Non-interest income vs. expense

$7.4M$33.5MINCOMEEXPENSE
Unfavorable gap of $26.1M · efficiency ratio beats 51% of banks $1B-$10B in assets operating in a single state
Bank 60.21%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.93%1.23%1.54%Beats 47%137 / 258
Return on Equity12.54%9.26%11.84%14.74%Beats 56%113 / 258
Net Interest Margin3.92%3.16%3.49%3.88%Beats 77%60 / 258
Efficiency Ratio60.21%51.71%60.30%69.65%Beats 51%128 / 257
Asset Quality
Nonperforming Loans / Loans0.57%0.19%0.46%0.90%Beats 37%164 / 258
Net Charge-Offs / Loans0.05%0.01%0.02%0.07%Beats 30%182 / 258
Capital
Tier 1 Capital Ratio9.54%11.41%12.98%15.12%Beats 3%251 / 258
Total Risk-Based Capital Ratio9.54%12.10%13.91%16.08%Beats 3%251 / 258
Equity / Assets9.53%9.09%10.24%11.72%Beats 34%169 / 258
Liquidity & Funding
Loans / Deposits87.29%73.24%86.34%95.95%54th pctl118 / 258
Loans / Assets74.97%63.01%72.27%78.40%59th pctl106 / 258
Brokered Deposits / Depositsn/aNot reported for this institution