Bank of the Valley
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Data as of · sourced from FFIEC call reports. How we update
Bank of the Valley is an FDIC-insured commercial bank headquartered in Bellwood, NE, established in 1984 (FDIC certificate 25291), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $581.9M, up 6.5% from Q2 2025, the 34th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 11.56% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 25291
- Headquarters
- Bellwood, NE
- Established
- 1984
- Total assets, Q2 2026
- $581.9M
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 11.56%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 104901568
- Latest call report
- Q2 2026, FFIEC 051 · Bank of the Valley call report
- Holding company
- BELLWOOD COMMUNITY HOLDING COMPANY
- Asset rank in state
- 34th of 138 in Nebraska
Bank of the Valley pays more for its money than most banks of its size. Based in Bellwood, Nebraska, it had $582 million in assets at June 30, 2026, up 6.5% from a year earlier. It pays an average of 2.77% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds common equity equal to 11.56% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $1.4 million, 112% above the same quarter a year earlier.
As of June 30, 2026, Bank of the Valley reported a CET1 capital ratio of 11.56%, a return on assets of 0.98%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.36%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of the Valley is the 34th largest of the 138 banks headquartered in Nebraska. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.4% to $581.9M, loans rose 2.5% and deposits rose 3.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 28.8% of total loans, ahead of agricultural production loans at 25.6%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in NE; its David City 2 offices book 32% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of the Valley meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 404 State St, Bellwood, NE 68624
- County
- Butler
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 11, 1984
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 84
- Domestic deposits
- $490.8M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $555.3M
- Average total loans
- $452.4M
- Average interest-bearing deposits
- $426.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 11, 1984
- FDIC Cert
- 25291
- Fed RSSD
- 478195
- SEC CIK
- 1887412 → filed by BELLWOOD COMMUNITY HOLDING COMPANY
- Website
- www.bankofthevalley.com →
- Parent Holding Company
- BELLWOOD COMMUNITY HOLDING COMPANY (RSSD 1983070)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of the Valley's total assets ran between $480.5M (Q3 2023) and $581.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$581.9M total assets against $546.4M; $528.9M total liabilities against $498.6M.
$450.6M net loans and leases against $429.1M; $490.8M total deposits against $464.6M.
$69.9M securities against $67.9M; $34.8M cash and balances due against $21.8M.
$8.7M total interest income against $8.3M; $3.5M total interest expense against $3.7M.
$5.3M net interest income against $4.6M.
$295K total noninterest income against $242K; $3.8M total noninterest expense against $3.7M.
$32K provision for credit losses against $396K.
$1.4M net income against $643K.
0.98% return on assets against 0.48%; 3.98% net interest margin against 3.65%.
11.56% CET1 capital ratio against 11.34%; 9.87% tier 1 leverage ratio against 9.44%.
Inside the full Bank of the Valley terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of the Valley rankings
Its closest position to the top of a national ranking is 1,584 of 4,196, for total assets; its furthest is 1,834 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.48% (Q2 2025) to 1.05% (Q3 2024) and its net interest margin ran from 3.47% (Q4 2024) to 3.98% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.56% | 0.98% | 0.05% | 0.36% | 3.98% |
| Q1 2026 | 11.59% | 0.80% | 0.05% | 0.37% | 3.87% |
| Q4 2025 | 11.69% | 0.86% | 0.05% | 0.38% | 3.91% |
| Q3 2025 | 11.58% | 0.79% | 0.12% | 0.95% | 3.82% |
| Q2 2025 | 11.34% | 0.48% | 0.23% | 1.83% | 3.65% |
| Q1 2025 | 11.57% | 0.75% | 0.08% | 0.67% | 3.51% |
| Q4 2024 | 11.02% | 0.91% | 0.07% | 0.60% | 3.47% |
| Q3 2024 | 10.79% | 1.05% | 1.58% | 13.14% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| David City Branch | David City , NE | 68632 | $123.8M |
| Columbus Branch | Columbus , NE | 68601 | $122.4M |
| Bank of the Valley (main office) | Bellwood , NE | 68624 | $81.9M |
| Farmers State Branch | Humphrey , NE | 68642 | $59.9M |
| Schuyler Branch | Schuyler , NE | 68661 | $37.3M |
| Bank of the Valley David City Downtown Branch | David City , NE | 68632 | $33.1M |
| Platte Center Bank Branch | Platte Center , NE | 68653 | $32.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2016 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 15, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 15, 2007 | Structure Change | Acquired Platte Center Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in NE, rank 35 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $3.9M approved, $3.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of the Valley
What are Bank of the Valley's total assets?
As of the Q2 2026 filing, Bank of the Valley reported total assets of $581.9 million in its FFIEC call report.
Where is Bank of the Valley headquartered?
It is headquartered in Bellwood, NE, United States.
When was Bank of the Valley founded?
It was established in 1984, per the FDIC institution directory.
Is Bank of the Valley FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25291). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of the Valley?
Bank of the Valley's primary federal regulator is the FDIC.
What is Bank of the Valley's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.56% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of the Valley operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of the Valley's Texas Ratio?
Its Texas Ratio is 0.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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