BlastPoint's Banking Scorecard
Elkhorn Valley Bank & Trust
Community
Specialty: Agricultural
NE
FDIC cert 16553
Norfolk, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Elkhorn Valley Bank & Trust faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 43% in Community
- - Non-Interest-Bearing Deposit Share 14.36% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+4.2% YoY
+0.0% QoQ
|
+$25.1M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$1.0B
+3.8% YoY
+1.9% QoQ
|
+$46.0M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$1.1B
+4.6% YoY
+0.0% QoQ
|
-$22.0M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
1.16%
+51.0% YoY
+1.2% QoQ
|
0 |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
3.14%
+21.7% YoY
+0.4% QoQ
|
-0.52% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
51.96%
-10.7% YoY
+0.6% QoQ
|
-10.67% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.65%
+338.1% YoY
-5.1% QoQ
|
+0.02% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
89.40%
-0.8% YoY
+1.9% QoQ
|
+6.33% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
6.68%
-3.1% YoY
+14.3% QoQ
|
-14.36% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.47%
+272.6% YoY
-3.3% QoQ
|
-0.03% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
12.64%
+5.2% YoY
-0.2% QoQ
|
+2.40% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.34%
+0.2% YoY
+33.0% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#275 of 642 · Bottom 43% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
6.68%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Efficiency Ratio
Current: 51.96% · Tier avg: 62.63%
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
54
54th pctile
Tier 1 Capital Ratio
Current: 12.64% · Tier avg: 10.24%
53
53th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
38
38th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.63%
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.40% · Tier avg: 83.06%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
22
22th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.66%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.68% · Tier avg: 21.05%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.68% · Tier avg: 21.05%
22
22th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.66%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.40% · Tier avg: 83.06%
38
38th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.63%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
53
53th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.64% · Tier avg: 10.24%
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
80
80th pctile
Efficiency Ratio
Current: 51.96% · Tier avg: 62.63%