North Bend, NE · Cert 9818 · Platte Valley Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.84% | 0.95% | 1.11% | 1.20% | 0.84% | 1.26% | 1.33% | +21 bps | |
| Return on Equity | 5.78% | 6.66% | 7.61% | 8.67% | 9.11% | 6.46% | 10.04% | 10.43% | +176 bps | |
| Net Interest Margin | 2.95% | 3.09% | 3.07% | 3.22% | 3.35% | 3.43% | 3.40% | 3.59% | +37 bps | |
| Efficiency Ratio | 62.72% | 65.09% | 62.79% | 59.01% | 53.40% | 65.50% | 56.67% | 52.25% | -675 bps | |
| Non-Interest Burden | 1.73% | 1.92% | 1.83% | 1.80% | 1.67% | 2.17% | 1.82% | 1.77% | -3 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 / Loans | 0.03% | 0.02% | 0.02% | 0.02% | 0.37% | 0.33% | 0.21% | 0.19% | +17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.18% | 1.10% | 1.25% | 1.33% | 1.34% | 1.32% | 1.42% | 1.44% | +10 bps | |
| Allowance Coverage of NPLs | 45.8x | 44.5x | 54.0x | 55.4x | 3.7x | 4.0x | 6.9x | 7.4x | -48.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.61% | 14.39% | 14.07% | 14.05% | 14.30% | 13.35% | 13.59% | 13.87% | -18 bps | |
| Total Risk-Based Capital | 14.61% | 14.39% | 14.07% | 14.05% | 14.30% | 13.35% | 13.59% | 13.87% | -18 bps | |
| Equity / Assets | 13.18% | 12.15% | 12.77% | 12.89% | 13.35% | 12.56% | 12.62% | 12.78% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.73% | 61.13% | 54.48% | 51.35% | 55.00% | 61.89% | 55.32% | 57.00% | +565 bps | |
| Liquid Assets / Assets | 24.35% | 21.55% | 24.49% | 25.39% | 22.53% | 16.97% | 21.88% | 20.91% | -448 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 21.96% | 24.15% | 27.54% | n/a | n/a | |