ELKHORN VALLEY BANK & TRUST

NORFOLK, NE | Large | Est. July 6, 1943, midnight | FDIC #16553 | RSSD #439356 | FDIC
Latest Report: 2025-12-31

ELKHORN VALLEY BANK & TRUST is aln large FDIC-insured commercial bank headquartered in NORFOLK, NE, established in July 6, 1943, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.1B. Profitability stands at 1.20% ROA and 11.82% ROE, with a net interest margin of 3.21%. The bank's CET1 capital ratio is 12.64%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.52% and a Texas Ratio of 3.36%. FDIC Certificate #16553.

Assets

$1.4B

Deposits

$1.1B

Loans

$1.0B

Equity

$146M

Profitability

Return on Assets (ROA) 1.20%
Return on Equity (ROE) 11.82%
Net Interest Margin (NIM) 3.21%
Yield on Assets 5.97%
Cost of Funds 3.14%

Asset Quality

NPL Ratio 0.52%
Net Charge-Off Ratio 0.14%
Texas Ratio 3.36%
NPA Ratio 0.38%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 12.64%
Tier 1 Capital 12.64%
Total Capital Ratio 13.83%
Leverage Ratio 10.13%
Loan-to-Deposit 90.57%

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