| Metric | Valley Bank of Nevada | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | +0.6% | +4.0% | -3.4 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 0.56% | 1.24% | -0.7 pts |
| ROE | 5.5% | 11.9% | -6.3 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $240.8M | $211.5M | $134.2M | $24.3M | $665K | 0.56% | 3.52% | 0.35% |
| Q1 2026 | $250.4M | $221.6M | $133.8M | $24.0M | $318K | 0.53% | 3.57% | 0.83% |
| Q4 2025 | $226.8M | $198.3M | $130.7M | $23.7M | $1.6M | 0.69% | 3.80% | 0.37% |
| Q3 2025 | $230.8M | $202.8M | $129.1M | $23.2M | $1.1M | 0.63% | 3.79% | 0.36% |
| Q2 2025 | $238.2M | $210.4M | $129.4M | $22.8M | $891K | 0.76% | 3.97% | 0.36% |
| Q1 2025 | $237.2M | $209.9M | $127.3M | $22.2M | $443K | 0.77% | 3.92% | 0.36% |
| Q4 2024 | $223.8M | $197.1M | $130.1M | $21.6M | $2.0M | 0.91% | 4.10% | 0.44% |
| Q3 2024 | $217.2M | $190.2M | $126.6M | $21.2M | $1.5M | 0.93% | 4.08% | 0.45% |
Loan mix (Q2 2026): real estate $115.7M · commercial $20.9M · consumer $204K · securities $27.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Valley Bank of Nevada | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 62.9% | 79th |
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 | Valley Bank of Nevada | 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 | Valley Bank of Nevada | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Valley Bank of Nevada | 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 | Valley Bank of Nevada | 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 | Valley Bank of Nevada | 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.
2 branches in 1 county across 1 state (+0 vs 2024) · $210.4M branch deposits. Biggest market: Clark, NV, ranked 30th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, NV | 2 | $210.4M | 0.19% | 30th |
Nevada: 40th with 0.15% · Las Vegas-Henderson-North Las Vegas metro: 30th, 0.19% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2