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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 1.23%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.04%1.08%1.19%1.22%1.23%1.20%1.23%+4 bps
Return on Equity11.05%11.44%11.48%12.56%12.79%12.79%12.53%12.79%+24 bps
Net Interest Margin3.41%3.52%3.59%3.68%3.84%3.87%3.84%3.92%+24 bps
Efficiency Ratio68.22%67.41%64.08%59.31%58.79%59.43%59.83%59.96%+65 bps
Non-Interest Burden2.15%2.19%2.12%1.97%2.04%2.06%2.05%2.11%+14 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 / Loans0.06%0.09%0.33%0.22%0.22%0.15%0.06%0.09%-13 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