Elkhorn Valley Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Elkhorn Valley Bank & Trust of Norfolk, NE against its peer group of 927 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 | 1.11% | 1.46% | -0.35% | 38th below |
| ROAE | 10.61% | 12.69% | -2.08% | 37th below |
| Net Interest Margin | 3.53% | 3.85% | -0.32% | 37th below |
| Efficiency Ratio | 43.11% | 57.41% | -14.30% | 89th top |
| PPNR / Avg Assets | 2.05% | 1.88% | +0.17% | 71st above |
| Yield on Earning Assets | 6.01% | 5.72% | +0.29% | 76th top |
| Cost of Funds | 2.61% | 2.02% | +0.59% | 18th bottom |
| Net Interest Spread | 3.23% | 3.18% | +0.05% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 1.00% | -0.69% | 72nd above |
| NPA / Total Assets | 0.23% | 0.76% | -0.53% | 73rd above |
| NCO / Avg Loans | 0.74% | 0.43% | +0.31% | 6th bottom |
| ACL / Total Loans | 1.37% | 1.31% | +0.06% | 77th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 437.21% | 564.43% | -127.22% | 79th top |
| Texas Ratio | 2.53% | 7.39% | -4.86% | 72nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 174.51% | 618.85% | -444.34% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.90% | 17.34% | -4.44% | 40th below |
| Tier 1 Ratio | 12.90% | 17.37% | -4.47% | 40th below |
| Total Capital Ratio | 14.15% | 18.42% | -4.27% | 42nd below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.49% | 11.44% | -0.95% | 50th above |
| Equity / Assets | 10.26% | 11.34% | -1.08% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.26% | 10.50% | -0.24% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.12% | 86.95% | +10.17% | 24th bottom |
| Core Deposit Ratio | 84.15% | 85.55% | -1.40% | 32nd below |
| Uninsured Deposit Ratio | 12.15% | 33.14% | -20.99% | 95th top |
| Wholesale Funding Ratio | 14.13% | 5.69% | +8.44% | 7th bottom |
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. | 8.57% | 9.68% | -1.11% | 70th above |
| Loan Growth (Y/Y) | 9.08% | 8.06% | +1.02% | 71st above |
| Deposit Growth (Y/Y) | 1.97% | 7.88% | -5.91% | 29th below |
See Elkhorn Valley Bank & Trust's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Elkhorn Valley Bank & Trust, 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 Elkhorn Valley Bank & Trust profile, how to read a UBPR, or how this data updates.