Valley Bank of Nevada: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 3.71 percentage points in Q2 2026, from 265.99% to 262.27%. It was the largest change from Q1 2026 among the key lines here. Within Nevada, Valley Bank of Nevada is 11th of 14 on loan-to-deposit ratio, 64.61% as of Q2 2026, below the middle of the field. Valley Bank of Nevada reported 64.61% on loan-to-deposit ratio for Q2 2026, 16.34 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $136.7M |
| Net loans and leases | $134.2M |
| Loans held for sale | $0 |
| Loans to total assets | 56.77% |
| Loan-to-deposit ratio | 64.61% |
| Net loans to equity capital | 5.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 82.27% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.25% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 262.27% |
| Construction concentration (Tier 1 capital + allowance) | 2.91% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.57% |
| Interest income on loans | $1.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $124.1M | $201.0M | 83.71% | 12.80% | 0.55% |
| Q4 2023 | $121.3M | $197.3M | 83.57% | 12.73% | 0.51% |
| Q1 2024 | $128.4M | $181.7M | 82.02% | 13.71% | 0.50% |
| Q2 2024 | $128.3M | $180.0M | 81.85% | 12.01% | 0.44% |
| Q3 2024 | $128.7M | $190.2M | 83.36% | 12.45% | 0.35% |
| Q4 2024 | $132.3M | $197.1M | 85.11% | 12.35% | 0.29% |
| Q1 2025 | $129.4M | $209.9M | 84.33% | 13.00% | 0.27% |
| Q2 2025 | $131.6M | $210.4M | 84.84% | 12.72% | 0.21% |
| Q3 2025 | $131.3M | $202.8M | 85.44% | 11.73% | 0.22% |
| Q4 2025 | $132.9M | $198.3M | 83.50% | 13.98% | 0.19% |
| Q1 2026 | $136.2M | $221.6M | 84.05% | 13.76% | 0.16% |
| Q2 2026 | $136.7M | $211.5M | 82.27% | 15.25% | 0.15% |
Valley Bank of Nevada loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Bank of Nevada, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Valley Bank of Nevada profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57933) · FFIEC NIC profile (RSSD 3370357)