| Metric | Platte Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +4.3% | +4.0% | +0.3 pts |
| Loan growth (YoY) | +15.7% | +5.6% | +10.1 pts |
| ROA | 1.29% | 1.24% | +0.1 pts |
| ROE | 10.2% | 11.9% | -1.6 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $107.2M | $92.9M | $52.2M | $13.7M | $686K | 1.29% | 3.68% | 0.10% |
| Q1 2026 | $105.8M | $91.8M | $50.1M | $13.4M | $333K | 1.26% | 3.59% | 0.10% |
| Q4 2025 | $105.0M | $88.4M | $54.0M | $13.2M | $1.1M | 1.02% | 3.46% | 0.17% |
| Q3 2025 | $104.4M | $89.1M | $48.4M | $13.9M | $835K | 1.08% | 3.39% | 0.17% |
| Q2 2025 | $103.0M | $89.1M | $45.1M | $13.3M | $525K | 1.03% | 3.32% | 0.01% |
| Q1 2025 | $101.1M | $87.3M | $47.0M | $12.9M | $241K | 0.95% | 3.22% | 0.01% |
| Q4 2024 | $102.2M | $86.5M | $52.3M | $12.4M | $772K | 0.78% | 3.02% | 0.01% |
| Q3 2024 | $98.9M | $85.2M | $46.1M | $13.0M | $560K | 0.76% | 2.99% | 0.01% |
Loan mix (Q2 2026): real estate $18.4M · commercial $8.4M · consumer $2.2M · securities $35.6M
| Ratio | Platte Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 62.9% | 25th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Platte Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Platte Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Platte Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Platte Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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