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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

$107.2MAssets
$52.9MLoans
$92.9MDeposits
$13.7MEquity
Loan mix
61%RE $15.7M30%C&I $7.8M9%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $73.5M21%Noninterest $19.4MQ2 2025Q2 2026

NIM

4.73%Q2 ’244.86%Q2 ’255.00%Q2 ’26+13%+12%

Non-interest income vs. expense

2.19%Q2 ’242.05%Q2 ’252.00%Q2 ’26-6%-2%

Executive Summary

  • Earnings: ROA of 1.33%, up 21 bps year over year; NIM at 3.59%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.33%+21 bps YoY

Net Interest Margin (quarter, annualized)

3.59%+37 bps YoY

Efficiency Ratio (quarter, annualized)

52.25%-675 bps YoY

Tier 1 Leverage Ratio

13.87%-18 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.20%0.84%1.26%1.33%+21 bps
Return on Equity8.67%9.11%6.46%10.04%10.43%+176 bps
Net Interest Margin3.22%3.35%3.43%3.40%3.59%+37 bps
Efficiency Ratio59.01%53.40%65.50%56.67%52.25%-675 bps
Non-Interest Burden1.80%1.67%2.17%1.82%1.77%-3 bps
Growth
Asset Growth (YoY)4.90%5.56%2.72%4.61%4.09%-81 bps
Loan Growth (YoY)3.24%5.11%3.51%6.77%15.77%+1,254 bps
Deposit Growth (YoY)4.16%4.60%2.24%5.15%4.29%+12 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.37%0.33%0.21%0.19%+17 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.00%0.00%0 bps
Allowance / Loans1.33%1.34%1.32%1.42%1.44%+10 bps
Allowance Coverage of NPLs55.4x3.7x4.0x6.9x7.4x-48.0x
Capital
Tier 1 Leverage Ratio14.05%14.30%13.35%13.59%13.87%-18 bps
Total Risk-Based Capital14.05%14.30%13.35%13.59%13.87%-18 bps
Equity / Assets12.89%13.35%12.56%12.62%12.78%-11 bps
Liquidity & Funding
Loans / Deposits51.35%55.00%61.89%55.32%57.00%+565 bps
Liquid Assets / Assets25.39%22.53%16.97%21.88%20.91%-448 bps
CRE / Total Capitaln/a21.96%24.15%27.54%n/an/a