ELKHORN VALLEY BANK & TRUST
ELKHORN VALLEY BANK & TRUST is an FDIC-insured commercial bank headquartered in NORFOLK, NE, established in 1943. As of , 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 3.14%. CET1 capital ratio: 12.64%, well above regulatory minimums. NPL ratio: 0.52% · Texas Ratio: 3.36%. Operates 8 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Elkhorn Valley Bank & Trust rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.64% | 1.20% | 0.52% | 3.36% | 3.14% |
| 2025-09-30 | 12.66% | 1.28% | 0.09% | 0.62% | 3.22% |
| 2025-06-30 | 12.63% | 1.14% | 0.03% | 0.19% | 3.07% |
| 2025-03-31 | 12.36% | 1.03% | 0.02% | 0.29% | 3.02% |
| 2024-12-31 | 12.02% | 0.87% | 0.03% | 0.36% | 2.71% |
| 2024-09-30 | 11.91% | 0.70% | 0.03% | 0.37% | 2.56% |
| 2024-06-30 | 12.11% | 0.80% | 0.13% | 0.90% | 2.48% |
| 2024-03-31 | 12.56% | 0.71% | 0.03% | 0.22% | 2.44% |
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Frequently asked about ELKHORN VALLEY BANK & TRUST
What are Elkhorn Valley Bank & Trust's total assets?
As of the Q4 2025 filing, Elkhorn Valley Bank & Trust reported total assets of $1.42 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Elkhorn Valley Bank & Trust headquartered?
Elkhorn Valley Bank & Trust is headquartered in NORFOLK, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Elkhorn Valley Bank & Trust founded?
Elkhorn Valley Bank & Trust was established in 1943, per the FDIC institution directory.
Is Elkhorn Valley Bank & Trust FDIC-insured?
Yes. Elkhorn Valley Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #16553). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Elkhorn Valley Bank & Trust?
Elkhorn Valley Bank & Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Elkhorn Valley Bank & Trust's CET1 capital ratio?
Elkhorn Valley Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 12.64% in its most recent quarterly filing — above regulatory minimums.
How many branches does Elkhorn Valley Bank & Trust operate?
Elkhorn Valley Bank & Trust operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Elkhorn Valley Bank & Trust's Texas Ratio?
Elkhorn Valley Bank & Trust's Texas Ratio is 3.36% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.