Elkhorn Valley Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Elkhorn Valley Bank & Trust is an FDIC-insured commercial bank headquartered in Norfolk, NE, established in 1943 (FDIC certificate 16553), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.49B, up 8.6% from Q2 2025, the 9th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 12.90% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16553
- Headquarters
- Norfolk, NE
- Established
- 1943
- Total assets, Q2 2026
- $1.49B
- Assets vs Q2 2025
- +8.6%
- CET1 ratio, Q2 2026
- 12.90%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 104902172
- Latest call report
- Q2 2026, FFIEC 051 · Elkhorn Valley Bank & Trust call report
- Holding company
- FEO INVESTMENTS, INC.
- Asset rank in state
- 9th of 138 in Nebraska
Elkhorn Valley Bank & Trust, based in Norfolk, Nebraska, reported $1.5 billion in assets at June 30, 2026, up 8.6% from a year earlier. It holds 12% of its deposits (12%) above the FDIC insurance limit, about a third the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. It also spends about 43 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
The non-owner-occupied commercial real estate book ($163 million) is worsening: 6.88% of it is past due or on nonaccrual, up from 4.03% a year earlier. Loans are outrunning deposits: over the year loans rose 9.1% and deposits rose 2.0%. One more trend to watch: the commercial and industrial book ($160 million) is worsening: 2.68% of it is past due or on nonaccrual, up from 0.95% a year earlier.
As of June 30, 2026, Elkhorn Valley Bank & Trust reported a CET1 capital ratio of 12.90%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 2.53%. The figures come from its call report filed with the FFIEC.
Elkhorn Valley Bank & Trust ranks as the 9th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.8% to $1.49B, loans rose 2.9% and deposits fell 2.0%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 18.2% of total loans, ahead of agricultural production loans at 18.0%. Its 8 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Norfolk 5 offices book 72% of its branch deposits. Judged on its Q2 2026 call report, Elkhorn Valley Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 404 S 25th St, Norfolk, NE 68701
- County
- Madison
- Metro Area
- Norfolk, NE
- 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
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- July 6, 1943
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 116
- Domestic deposits
- $1.12B
- Allowance for credit losses
- $14.9M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $1.45B
- Average total loans
- $1.07B
- Average interest-bearing deposits
- $1.09B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 18, 1947
- FDIC Cert
- 16553
- Fed RSSD
- 439356
- Website
- www.evb.bank →
- Parent Holding Company
- FEO INVESTMENTS, INC. (RSSD 1891979)
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
From Q3 2023 to Q2 2026, Elkhorn Valley Bank & Trust's total assets ranged from $1.14B (Q3 2023) to $1.49B (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
$1.49B total assets against $1.37B; $1.34B total liabilities against $1.24B.
$1.07B net loans and leases against $983.1M; $1.12B total deposits against $1.10B.
$311.8M securities against $298.0M; $24.1M cash and balances due against $18.9M.
$20.6M total interest income against $18.7M; $8.6M total interest expense against $8.7M.
$12.0M net interest income against $9.9M.
$1.3M total noninterest income against $1.2M; $5.8M total noninterest expense against $5.9M.
$2.6M provision for credit losses against $437K.
$4.0M net income against $3.9M.
1.11% return on assets against 1.16%; 3.53% net interest margin against 3.10%.
12.90% CET1 capital ratio against 12.63%; 10.49% tier 1 leverage ratio against 10.10%.
Inside the full Elkhorn Valley Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeElkhorn Valley Bank & Trust rankings
Its closest position to the top of a national ranking is 332 of 3,606, for efficiency ratio; its furthest is 919 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.70% (Q3 2024) to 1.42% (Q1 2026) and its net interest margin ran from 2.58% (Q3 2024) to 3.53% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.90% | 1.11% | 0.39% | 2.53% | 3.53% |
| Q1 2026 | 12.91% | 1.42% | 0.89% | 5.69% | 3.41% |
| Q4 2025 | 12.64% | 1.20% | 0.64% | 4.15% | 3.18% |
| Q3 2025 | 12.66% | 1.27% | 0.67% | 4.43% | 3.25% |
| Q2 2025 | 12.63% | 1.16% | 0.63% | 4.24% | 3.10% |
| Q1 2025 | 12.36% | 1.04% | 0.58% | 4.12% | 3.04% |
| Q4 2024 | 12.02% | 0.88% | 0.15% | 1.23% | 2.74% |
| Q3 2024 | 11.91% | 0.70% | 0.16% | 1.32% | 2.58% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Benjamin Ave Branch | Norfolk , NE | 68701 | $343.0M |
| Elkhorn Valley Bank & Trust (main office) | Norfolk , NE | 68701 | $282.0M |
| Omaha Avenue Branch | Norfolk , NE | 68701 | $168.1M |
| First Nebraska Bank of Wayne Branch | Wayne , NE | 68787 | $142.9M |
| Yankton Branch | Yankton , SD | 57078 | $98.2M |
| Pierce Branch | Pierce , NE | 68767 | $73.3M |
| Hy-Vee Branch | Norfolk , NE | 68701 | $7.9M |
| Hyvee West Branch | Norfolk , NE | 68701 | $3.2M |
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 |
|---|---|---|---|
| February 7, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 6, 2015 | Structure Change | Acquired First Nebraska Bank of Wayne Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 12, 1997 | Structure Change | Acquired Elkhorn Valley 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
- 1.1% of deposits in NE, rank 16 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (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 Elkhorn Valley Bank & Trust
What are Elkhorn Valley Bank & Trust's total assets?
As of the Q2 2026 filing, Elkhorn Valley Bank & Trust reported total assets of $1.49 billion in its FFIEC call report.
Where is Elkhorn Valley Bank & Trust headquartered?
It is headquartered in Norfolk, NE, United States.
When was Elkhorn Valley Bank & Trust founded?
It was established in 1943, per the FDIC institution directory.
Is Elkhorn Valley Bank & Trust FDIC-insured?
Yes. It 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.
What is Elkhorn Valley Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.90% in its Q2 2026 call report, above regulatory requirements.
How many branches does Elkhorn Valley Bank & Trust operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Elkhorn Valley Bank & Trust's Texas Ratio?
Its Texas Ratio is 2.53% 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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