BANK OF THE VALLEY

BELLWOOD, NE | Medium | Est. May 11, 1984, midnight | FDIC #25291 | RSSD #478195 | FDIC
Latest Report: 2025-12-31

BANK OF THE VALLEY is amn medium FDIC-insured commercial bank headquartered in BELLWOOD, NE, established in May 11, 1984, midnight. As of 2025-12-31, the bank reported total assets of $543M and total deposits of $456M. Profitability stands at 0.84% ROA and 9.09% ROE, with a net interest margin of 3.92%. The bank's CET1 capital ratio is 11.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.38%. FDIC Certificate #25291.

Assets

$543M

Deposits

$456M

Loans

$436M

Equity

$50M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 9.09%
Net Interest Margin (NIM) 3.92%
Yield on Assets 6.69%
Cost of Funds 2.83%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.38%
NPA Ratio 0.04%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 11.69%
Tier 1 Capital 11.69%
Total Capital Ratio 12.94%
Leverage Ratio 9.85%
Loan-to-Deposit 95.50%

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