BlastPoint's Banking Scorecard
Platte Valley Bank
Community
Specialty: Agricultural
NE
FDIC cert 34211
Scottsbluff, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Platte Valley Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 35% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+5.4% YoY
+3.6% QoQ
|
-$220.0M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$917.1M
+6.9% YoY
+3.7% QoQ
|
-$58.3M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$974.6M
+6.7% YoY
+2.2% QoQ
|
-$190.0M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.23%
+17.7% YoY
+0.4% QoQ
|
+0.06% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
4.14%
+11.7% YoY
+0.6% QoQ
|
+0.47% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
59.43%
-11.8% YoY
+1.1% QoQ
|
-3.20% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.49%
-48.7% YoY
-15.5% QoQ
|
-0.14% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
94.10%
+0.2% YoY
+1.5% QoQ
|
+11.04% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
19.16%
-5.7% YoY
+1.7% QoQ
|
-1.89% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.44%
-39.8% YoY
-15.1% QoQ
|
-0.05% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.59%
-2.7% YoY
+35.9% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#181 of 513 · Bottom 35% 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:
94.10%
(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
75
75th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.66%
64
64th pctile
Total Loans
Current: $917.1M · Tier avg: $975.5M
60
60th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
59
59th pctile
Efficiency Ratio
Current: 59.43% · Tier avg: 62.63%
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
58
58th pctile
Total Deposits
Current: $974.6M · Tier avg: $1.2B
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.16% · Tier avg: 21.05%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Loan-to-Deposit Ratio
Current: 94.10% · Tier avg: 83.06%
Top Weaknesses
25
25th pctile
Loan-to-Deposit Ratio
Current: 94.10% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.16% · Tier avg: 21.05%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
58
58th pctile
Total Deposits
Current: $974.6M · Tier avg: $1.2B
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
59
59th pctile
Efficiency Ratio
Current: 59.43% · Tier avg: 62.63%
60
60th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
64
64th pctile
Total Loans
Current: $917.1M · Tier avg: $975.5M
75
75th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.66%