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Valley Bank of Nevada

North Las Vegas, NV · Cert 57933

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 under $1B in assets (n=581 to 629). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

32

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

Valley Bank of Nevada

North Las Vegas, NV · Cert 57933

State charter, non-member · FDIC · 2 branches

Q2 2026

$240.8MAssets
$136.7MLoans
$211.5MDeposits
$24.3MEquity
Loan mix
86%RE $117.2M14%C&I $18.7M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
58%Interest-bearing $122.7M42%Noninterest $88.9MQ2 2025Q2 2026

NIM

4.41%Q2 ’244.48%Q2 ’254.53%Q2 ’26-2%-11%

Non-interest income vs. expense

2.83%Q2 ’242.73%Q2 ’252.63%Q2 ’26-3%-4%

Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.2% share · #22 of 41 inst. · $0.2B of $95.0B

Executive Summary

  • Earnings: ROA of 0.56%, down 21 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.61% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.31%, up 34 bps from a year ago.
  • Funding: loans stand at 64.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.56%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-40 bps YoY

Efficiency Ratio (YTD, annualized)

75.66%+540 bps YoY

Tier 1 Leverage Ratio

10.31%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.63%0.69%0.53%0.56%-21 bps
Return on Equity8.02%6.53%6.99%5.33%5.54%-248 bps
Net Interest Margin3.80%3.63%3.64%3.42%3.39%-40 bps
Efficiency Ratio70.26%74.82%73.78%74.07%75.66%+540 bps
Non-Interest Burden2.64%2.69%2.66%2.51%2.55%-9 bps
Growth
Asset Growth (YoY)16.02%6.24%1.32%5.57%1.08%-1,494 bps
Loan Growth (YoY)2.57%2.00%0.51%5.22%3.85%+128 bps
Deposit Growth (YoY)16.88%6.61%0.60%5.56%0.55%-1,632 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.64%0.63%1.52%0.61%-3 bps
Net Charge-Offs / Loans0.18%0.12%0.09%0.00%0.00%-18 bps
Allowance / Loans1.69%1.71%1.70%1.76%1.77%+9 bps
Allowance Coverage of NPLs2.6x2.7x2.7x1.2x2.9x+0.3x
Capital
Tier 1 Leverage Ratio9.97%10.09%10.36%10.14%10.31%+34 bps
Total Risk-Based Capital16.98%17.29%17.15%16.65%16.81%-16 bps
Equity / Assets9.58%10.04%10.46%9.58%10.10%+52 bps
Liquidity & Funding
Loans / Deposits62.56%64.77%67.04%61.44%64.61%+205 bps
Liquid Assets / Assets23.11%23.60%15.72%18.60%15.85%-726 bps
CRE / Total Capitaln/a478%464%472%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

Valley Bank of Nevada

North Las Vegas, NV · Cert 57933 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 2 branches

Q2 2026

$240.8MAssets
$136.7MLoans
$211.5MDeposits
$24.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on assets trails 78% of banks under $1B in assets (rank 488 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.55%

Rank 488 of 629

Net Interest Margin

3.39%

Rank 364 of 629

Efficiency Ratio

75.66%

Rank 430 of 629

Equity / Assets

10.10%

Rank 374 of 629

Non-interest income vs. expense

$0.2M$6.3MINCOMEEXPENSE
Unfavorable gap of $6.1M · efficiency ratio beats 32% of banks under $1B in assets
Bank 75.66%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.55%0.60%1.01%1.45%Beats 22%488 / 629
Return on Equity5.47%5.38%9.30%13.28%Beats 25%469 / 629
Net Interest Margin3.39%3.03%3.54%4.05%Beats 42%364 / 629
Efficiency Ratio75.66%58.35%67.79%79.08%Beats 32%430 / 629
Asset Quality
Nonperforming Loans / Loans0.61%0.09%0.46%1.20%Beats 43%333 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio15.56%11.24%13.84%18.77%Beats 63%232 / 629
Total Risk-Based Capital Ratio16.81%11.58%14.43%19.66%Beats 66%215 / 629
Equity / Assets10.10%9.09%10.65%13.80%Beats 41%374 / 629
Liquidity & Funding
Loans / Deposits64.61%67.24%80.90%93.48%23rd pctl459 / 594
Loans / Assets56.77%53.31%67.71%78.15%30th pctl442 / 629
Brokered Deposits / Depositsn/aNot reported for this institution