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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 $65.2MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $875.6M18%Noninterest $196.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.24%, down 5 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.57% of loans (-13 bps YoY), with net charge-offs at 0.12%.
  • 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.

Return on Assets (quarter, annualized)

1.24%-5 bps YoY

Net Interest Margin (quarter, annualized)

4.01%+17 bps YoY

Efficiency Ratio (quarter, annualized)

60.08%+513 bps YoY

Tier 1 Leverage Ratio

9.54%-7 bps YoY

NIM

5.65%Q2 ’245.76%Q2 ’255.78%Q2 ’26+12%+5%

Non-interest income vs. expense

2.68%Q2 ’242.45%Q2 ’252.78%Q2 ’26-10%+18%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.17%1.08%1.30%1.29%1.25%1.20%1.24%-5 bps
Return on Equity11.95%12.51%11.48%13.61%13.23%12.80%12.53%13.04%-57 bps
Net Interest Margin3.57%3.70%3.59%3.83%4.03%4.01%3.84%4.01%+17 bps
Efficiency Ratio67.15%65.14%64.08%54.94%57.81%61.23%59.83%60.08%+513 bps
Non-Interest Burden2.21%2.21%2.12%1.86%2.09%2.18%2.05%2.19%+33 bps
Growth
Asset Growth (YoY)0.27%2.15%2.85%1.25%2.85%5.42%8.90%9.85%+860 bps
Loan Growth (YoY)0.81%0.17%3.28%2.29%3.79%6.99%7.68%5.90%+361 bps
Deposit Growth (YoY)1.30%2.26%5.91%3.79%4.57%6.65%9.36%11.65%+786 bps
Asset Quality
Nonperforming Loans / Loans0.89%0.95%1.20%0.70%0.57%0.48%0.61%0.57%-13 bps
Net Charge-Offs / Loans0.07%0.15%0.33%0.10%0.24%-0.06%0.06%0.12%+2 bps
Allowance / Loans1.15%1.15%1.11%1.20%1.21%1.26%1.33%1.38%+18 bps
Allowance Coverage of NPLs1.3x1.2x0.9x1.7x2.1x2.6x2.2x2.4x+0.7x
Capital
Tier 1 Leverage Ratio9.48%9.76%9.59%9.61%9.98%10.12%9.39%9.54%-7 bps
Total Risk-Based Capital9.48%9.76%9.59%9.61%9.98%10.12%9.39%9.54%-7 bps
Equity / Assets9.41%9.38%9.43%9.60%9.87%9.73%9.51%9.53%-7 bps
Liquidity & Funding
Loans / Deposits94.60%95.01%92.61%92.03%93.89%95.31%91.18%87.29%-474 bps
Liquid Assets / Assets9.17%9.88%9.20%10.42%9.07%8.65%10.99%13.52%+310 bps
CRE / Total Capitaln/an/an/an/a154.52%157.27%163.43%n/an/a