| Metric | Platte Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.9% | +3.1 pts |
| Deposit growth (YoY) | +6.9% | +4.3% | +2.5 pts |
| Loan growth (YoY) | +2.4% | +5.3% | -2.9 pts |
| ROA | 1.95% | 1.28% | +0.7 pts |
| ROE | 20.8% | 12.4% | +8.4 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $809.2M | $693.0M | $660.7M | $77.6M | $7.8M | 1.95% | 5.37% | 0.34% |
| Q1 2026 | $803.6M | $686.4M | $658.7M | $75.2M | $4.2M | 2.10% | 5.36% | 0.31% |
| Q4 2025 | $783.1M | $662.2M | $650.9M | $72.3M | $11.0M | 1.46% | 5.23% | 0.41% |
| Q3 2025 | $774.9M | $668.2M | $652.9M | $69.8M | $7.4M | 1.31% | 5.14% | 0.31% |
| Q2 2025 | $749.5M | $648.4M | $645.1M | $68.1M | $4.7M | 1.27% | 5.05% | 0.31% |
| Q1 2025 | $741.7M | $643.8M | $637.0M | $66.6M | $2.3M | 1.27% | 4.85% | 0.44% |
| Q4 2024 | $732.9M | $636.3M | $618.1M | $65.1M | $6.8M | 0.96% | 4.56% | 0.32% |
| Q3 2024 | $719.4M | $614.2M | $594.1M | $64.7M | $4.7M | 0.90% | 4.46% | 0.41% |
Loan mix (Q2 2026): real estate $456.3M · commercial $152.2M · consumer $29.1M · securities $67.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Platte Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.28% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 20.8% | 12.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.37% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.8% | 61.2% | 21th |
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% |
The full ratio pack is part of CharterBench Pro.