Valley Bank of Nevada: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 173.79 percentage points higher than in Q1 2026, at 289.73%. On return on assets, Valley Bank of Nevada is 3rd from the bottom among 14 Nevada banks, 0.58% (Q2 2026). Valley Bank of Nevada's return on assets of 0.58% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.67 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.56% |
| Tier 1 risk-based capital ratio | 15.56% |
| Total risk-based capital ratio | 16.81% |
| Tier 1 leverage ratio | 10.31% |
| Equity capital to assets | 10.10% |
| Tangible equity to tangible assets | 10.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.61% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.13% |
| Allowance for credit losses to loans | 1.77% |
| Reserve coverage of non-performing loans | 289.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 5.75% |
| Net interest margin | 3.41% |
| Efficiency ratio | 77.28% |
| Yield on earning assets | 4.62% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.61% |
| Core deposits to total deposits | 99.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.86% |
| Securities to assets | 11.46% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.50% | 12.50% | 13.75% | 8.39% | 1.02% |
| Q4 2023 | 13.83% | 13.83% | 15.08% | 8.56% | 1.33% |
| Q1 2024 | 13.62% | 13.62% | 14.87% | 9.62% | 0.73% |
| Q2 2024 | 14.15% | 14.15% | 15.40% | 9.84% | 0.76% |
| Q3 2024 | 15.03% | 15.03% | 16.29% | 10.48% | 1.36% |
| Q4 2024 | 15.06% | 15.06% | 16.31% | 10.11% | 0.86% |
| Q1 2025 | 15.50% | 15.50% | 16.75% | 10.20% | 0.80% |
| Q2 2025 | 15.72% | 15.72% | 16.98% | 9.97% | 0.77% |
| Q3 2025 | 16.03% | 16.03% | 17.29% | 10.09% | 0.36% |
| Q4 2025 | 15.89% | 15.89% | 17.15% | 10.36% | 0.84% |
| Q1 2026 | 15.39% | 15.39% | 16.65% | 10.14% | 0.53% |
| Q2 2026 | 15.56% | 15.56% | 16.81% | 10.31% | 0.58% |
Valley Bank of Nevada vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Bank of Nevada, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)