Platte Valley Bank (Scottsbluff, NE)
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Data as of · sourced from FFIEC call reports. How we update
Platte Valley Bank is an FDIC-insured commercial bank headquartered in Scottsbluff, NE, established in 1996 (FDIC certificate 34211), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.25B, up 9.8% from Q2 2025, the 12th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34211
- Headquarters
- Scottsbluff, NE
- Established
- 1996
- Total assets, Q2 2026
- $1.25B
- Assets vs Q2 2025
- +9.8%
- Tier 1 leverage ratio, Q2 2026
- 9.54%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 104102309
- Latest call report
- Q2 2026, FFIEC 051 · Platte Valley Bank call report
- Holding company
- PLATTE VALLEY FINANCIAL SERVICE COMPANIES, INC.
- Asset rank in state
- 12th of 138 in Nebraska
Platte Valley Bank, based in Scottsbluff, Nebraska, reported $1.2 billion in assets at June 30, 2026, up 9.8% from a year earlier. It holds commercial real estate loans worth 0.7 times its capital, about a third the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets. It also keeps 4.20 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Deposits are coming in faster than loans: over the year loans rose 5.9% and deposits rose 11.7%. Its $175 million commercial and industrial book is improving, with 1.64% past due or on nonaccrual, down from 2.67% a year earlier. Where it has less room is capital: it funds 9.54% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, Platte Valley Bank reported a return on assets of 1.24%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 4.26%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Platte Valley Bank is the 12th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $1.25B, loans fell 1.8% and deposits rose 2.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 25.8% of total loans, followed by commercial and industrial loans at 18.7%. The FDIC Summary of Deposits lists 12 offices for it, in 9 cities in NE; its Scottsbluff 3 offices book 58% of its branch deposits. Judged on its Q2 2026 call report, Platte Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1212 Circle Dr, Scottsbluff, NE 69361
- County
- Scotts Bluff
- Metro Area
- Scottsbluff, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 22, 1996
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 244
- Domestic deposits
- $1.07B
- Allowance for credit losses
- $12.9M
- Net charge-offs (YTD)
- $422K
- Average total assets
- $1.24B
- Average total loans
- $940.3M
- Average interest-bearing deposits
- $870.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 22, 1996
- FDIC Cert
- 34211
- Fed RSSD
- 2465881
- Website
- www.pvbank.com →
- Parent Holding Company
- PLATTE VALLEY FINANCIAL SERVICE COMPANIES, INC. (RSSD 2511014)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Platte Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Platte Valley Bank's total assets ran between $1.09B (Q4 2023) and $1.25B (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
$1.25B total assets against $1.14B; $1.13B total liabilities against $1.03B.
$922.8M net loans and leases against $873.0M; $1.07B total deposits against $960.1M.
$148.5M securities against $151.7M; $107.8M cash and balances due against $54.4M.
$17.9M total interest income against $16.6M; $5.5M total interest expense against $5.6M.
$12.3M net interest income against $11.0M.
$1.8M total noninterest income against $1.7M; $8.6M total noninterest expense against $7.0M.
$784K provision for credit losses against $1.1M.
$3.8M net income against $3.7M.
1.24% return on assets against 1.27%; 4.20% net interest margin against 4.01%.
9.54% tier 1 leverage ratio against 9.61%.
Inside the full Platte Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePlatte Valley Bank rankings
Its closest position to the top of a national ranking is 859 of 4,196, for total assets; its furthest is 655 of 980, for uninsured deposits.
Banks merged into Platte Valley Bank
- The Potter State Bank of Potter, effective March 13, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.07% (Q1 2025) to 1.29% (Q3 2025) and its net interest margin ran from 3.76% (Q3 2024) to 4.23% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.54% | 1.24% | 0.57% | 4.26% | 4.20% |
| Q1 2026 | 9.39% | 1.18% | 0.61% | 5.26% | 4.07% |
| Q4 2025 | 10.12% | 1.27% | 0.48% | 4.12% | 4.22% |
| Q3 2025 | 9.98% | 1.29% | 0.57% | 4.76% | 4.23% |
| Q2 2025 | 9.61% | 1.27% | 0.70% | 5.48% | 4.01% |
| Q1 2025 | 9.59% | 1.07% | 1.20% | 9.36% | 3.80% |
| Q4 2024 | 9.76% | 1.19% | 0.95% | 7.20% | 3.91% |
| Q3 2024 | 9.48% | 1.10% | 0.89% | 6.52% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| Platte Valley Bank (main office) | Scottsbluff , NE | 69361 | $532.9M |
| Sidney Branch | Sidney , NE | 69162 | $109.1M |
| Morrill Branch | Morrill , NE | 69358 | $80.3M |
| Gering Branch | Gering , NE | 69341 | $76.6M |
| Bridgeport Branch | Bridgeport , NE | 69336 | $75.5M |
| Centennial Branch | Scottsbluff , NE | 69361 | $53.2M |
| Potter State Bank Branch | Potter , NE | 69156 | $45.5M |
| Chadron Branch | Chadron , NE | 69337 | $32.7M |
| Alliance Branch | Alliance , NE | 69301 | $31.4M |
| Plaza Branch | Scottsbluff , NE | 69361 | $30.9M |
| Kimball State Bank | Kimball , NE | 69145 | $3.9M |
| Drive-In Bank Branch | Sidney , NE | 69162 | $0 |
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 |
|---|---|---|---|
| March 13, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 13, 2026 | Structure Change | Acquired The Potter State Bank of Potter Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 15, 2018 | Structure Change | Acquired The American Bank of Sidney, Nebraska 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 14 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $1.5M approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Platte Valley Bank
What are Platte Valley Bank's total assets?
As of the Q2 2026 filing, Platte Valley Bank reported total assets of $1.25 billion in its FFIEC call report.
Where is Platte Valley Bank headquartered?
It is headquartered in Scottsbluff, NE, United States.
When was Platte Valley Bank founded?
It was established in 1996, per the FDIC institution directory.
Is Platte Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34211). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Platte Valley Bank?
Platte Valley Bank's primary federal regulator is the Federal Reserve.
How many branches does Platte Valley Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Platte Valley Bank's Texas Ratio?
Its Texas Ratio is 4.26% 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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