Bank of the Valley: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of the Valley of Bellwood, NE against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 1.35% | -0.37% | 32nd below |
| ROAE | 10.44% | 13.32% | -2.88% | 39th below |
| Net Interest Margin | 3.98% | 3.93% | +0.05% | 52nd above |
| Efficiency Ratio | 67.21% | 61.13% | +6.08% | 34th below |
| PPNR / Avg Assets | 1.25% | 1.68% | -0.43% | 31st below |
| Yield on Earning Assets | 6.58% | 5.67% | +0.91% | 89th top |
| Cost of Funds | 2.77% | 1.88% | +0.89% | 9th bottom |
| Net Interest Spread | 3.59% | 3.32% | +0.27% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 79th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 80th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 74th above |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 69th above |
| ACL / NPLs (Coverage) | 2952.36% | 1545.25% | +1407.11% | — |
| Texas Ratio | 0.36% | 7.34% | -6.98% | 82nd top |
| Provision / NCO | 2600.00% | 1393.84% | +1206.16% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.56% | 19.49% | -7.93% | 13th bottom |
| Tier 1 Ratio | 11.56% | 19.53% | -7.97% | 13th bottom |
| Total Capital Ratio | 12.81% | 20.61% | -7.80% | 15th bottom |
| Leverage Ratio | 9.87% | 12.14% | -2.27% | 28th below |
| Equity / Assets | 9.11% | 11.37% | -2.26% | 29th below |
| TCE / Tangible Assets | 9.11% | 11.08% | -1.97% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.07% | 80.65% | +12.42% | 22nd bottom |
| Core Deposit Ratio | 86.23% | 86.85% | -0.62% | 35th below |
| Wholesale Funding Ratio | 6.03% | 5.03% | +1.00% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.50% | 6.84% | -0.34% | 66th above |
| Loan Growth (Y/Y) | 4.89% | 7.92% | -3.03% | 47th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.65% | 6.29% | -0.64% | 61st above |
See Bank of the Valley's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of the Valley, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of the Valley profile, how to read a UBPR, or how this data updates.