BlastPoint's Banking Scorecard
Bank of the Valley
Community
Specialty: Agricultural
NE
FDIC cert 25291
Bellwood, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Bank of the Valley has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 45% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$542.9M
+3.2% YoY
-0.2% QoQ
|
-$848.6M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$429.6M
-1.5% YoY
+0.4% QoQ
|
-$545.8M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$456.4M
-1.0% YoY
-1.5% QoQ
|
-$708.2M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.71%
-12.5% YoY
+6.6% QoQ
|
-0.46% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.71%
+5.0% YoY
+1.5% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
76.20%
-2.2% YoY
-0.6% QoQ
|
+13.57% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 15% in tier |
| Delinquency Rate ? |
0.05%
-31.1% YoY
-59.3% QoQ
|
-0.58% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
94.13%
-0.5% YoY
+1.9% QoQ
|
+11.07% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
11.12%
+5.2% YoY
+16.1% QoQ
|
-9.93% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.04%
-34.3% YoY
-59.0% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
11.69%
+6.0% YoY
+0.9% QoQ
|
+1.44% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.19%
-38.6% YoY
+32.0% QoQ
|
-0.55% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#168 of 371 · Top 45% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (1)
Liquidity Strain
risk
#33 of 513 · Bottom 6% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.13%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.69% · Tier avg: 10.24%
24
24th pctile
Loan-to-Deposit Ratio
Current: 94.13% · Tier avg: 83.06%
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
19
19th pctile
Total Loans
Current: $429.6M · Tier avg: $975.5M
15
15th pctile
Efficiency Ratio
Current: 76.20% · Tier avg: 62.63%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.12% · Tier avg: 21.05%
11
11th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
6
6th pctile
Total Assets
Current: $542.9M · Tier avg: $1.4B
6
6th pctile
Total Deposits
Current: $456.4M · Tier avg: $1.2B
Top Weaknesses
6
6th pctile
Total Deposits
Current: $456.4M · Tier avg: $1.2B
6
6th pctile
Total Assets
Current: $542.9M · Tier avg: $1.4B
11
11th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.12% · Tier avg: 21.05%
15
15th pctile
Efficiency Ratio
Current: 76.20% · Tier avg: 62.63%
19
19th pctile
Total Loans
Current: $429.6M · Tier avg: $975.5M
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
24
24th pctile
Loan-to-Deposit Ratio
Current: 94.13% · Tier avg: 83.06%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.69% · Tier avg: 10.24%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%