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Platte Valley Bank

North Bend, NE · Cert 9818 · Platte Valley Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in NE3

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 in NE (n=83). 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

67

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

North Bend, NE · Cert 9818 · Platte Valley Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$107.2MAssets
$52.9MLoans
$92.9MDeposits
$13.7MEquity
Loan mix
61%RE $15.7M30%C&I $7.8M9%Consumer $2.3MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $73.5M21%Noninterest $19.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.29%, up 27 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.19% of loans (+17 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.87%, down 18 bps from a year ago.
  • Funding: loans stand at 57.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.29%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+37 bps YoY

Efficiency Ratio (YTD, annualized)

54.40%-644 bps YoY

Tier 1 Leverage Ratio

13.87%-18 bps YoY

NIM

4.69%Q2 ’244.72%Q2 ’254.90%Q2 ’26+7%+12%

Non-interest income vs. expense

2.20%Q2 ’242.05%Q2 ’252.02%Q2 ’26-7%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.78%0.95%1.03%1.08%1.02%1.26%1.29%+27 bps
Return on Equity6.06%6.26%7.61%8.16%8.47%8.02%10.04%10.23%+207 bps
Net Interest Margin2.88%2.92%3.07%3.12%3.19%3.22%3.40%3.49%+37 bps
Efficiency Ratio67.04%66.53%62.79%60.84%58.24%60.16%56.67%54.40%-644 bps
Non-Interest Burden1.84%1.85%1.83%1.80%1.75%1.84%1.82%1.79%0 bps
Growth
Asset Growth (YoY)0.37%2.74%5.32%4.90%5.56%2.72%4.61%4.09%-81 bps
Loan Growth (YoY)6.81%15.43%11.73%3.24%5.11%3.51%6.77%15.77%+1,254 bps
Deposit Growth (YoY)-1.29%2.43%4.55%4.16%4.60%2.24%5.15%4.29%+12 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.02%0.02%0.02%0.37%0.33%0.21%0.19%+17 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.18%1.10%1.25%1.33%1.34%1.32%1.42%1.44%+10 bps
Allowance Coverage of NPLs45.8x44.5x54.0x55.4x3.7x4.0x6.9x7.4x-48.0x
Capital
Tier 1 Leverage Ratio14.61%14.39%14.07%14.05%14.30%13.35%13.59%13.87%-18 bps
Total Risk-Based Capital14.61%14.39%14.07%14.05%14.30%13.35%13.59%13.87%-18 bps
Equity / Assets13.18%12.15%12.77%12.89%13.35%12.56%12.62%12.78%-11 bps
Liquidity & Funding
Loans / Deposits54.73%61.13%54.48%51.35%55.00%61.89%55.32%57.00%+565 bps
Liquid Assets / Assets24.35%21.55%24.49%25.39%22.53%16.97%21.88%20.91%-448 bps
CRE / Total Capitaln/an/an/an/a21.96%24.15%27.54%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

North Bend, NE · Cert 9818 · Peer group: banks under $1B in assets in NE (n=83) · Platte Valley Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$107.2MAssets
$52.9MLoans
$92.9MDeposits
$13.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
  • Widest gap: net interest margin trails 61% of banks under $1B in assets in NE (rank 51 of 83).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.28%

Rank 34 of 83

Net Interest Margin

3.49%

Rank 51 of 83

Efficiency Ratio

54.40%

Rank 28 of 83

Equity / Assets

12.78%

Rank 28 of 83

Non-interest income vs. expense

$0.2M$2.2MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 67% of banks under $1B in assets in NE
Bank 54.40%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.28%0.93%1.20%1.51%Beats 59%34 / 83
Return on Equity10.01%8.04%10.34%13.11%Beats 48%43 / 83
Net Interest Margin3.49%3.25%3.62%4.02%Beats 39%51 / 83
Efficiency Ratio54.40%51.13%59.95%67.19%Beats 67%28 / 83
Asset Quality
Nonperforming Loans / Loans0.19%0.00%0.19%0.96%Beats 51%42 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio13.87%10.94%13.24%16.62%Beats 57%36 / 83
Total Risk-Based Capital Ratio13.87%11.04%13.54%17.63%Beats 51%41 / 83
Equity / Assets12.78%9.90%11.31%13.84%Beats 66%28 / 83
Liquidity & Funding
Loans / Deposits57.00%71.97%83.15%92.22%12th pctl73 / 83
Loans / Assets49.37%57.96%69.15%77.64%14th pctl71 / 83
Brokered Deposits / Depositsn/aNot reported for this institution