Total Assets
$105M
Total balance-sheet footings
FDIC Cert #9818 · North Bend, Nebraska · Est. 1891
Platte Valley Bank - FDIC Bank Health Profile
A community-scale look at Platte Valley Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $105M
- Total assets
- A
- Health grade · Excellent
- 1.02%
- Return on assets
- 13.4%
- Tier 1 capital
Data updated July 2026
The verdict
Platte Valley Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.35% Tier 1, profitable at 1.02% ROA, 60% efficiency ratio.
- #3,702
- largest of 4,313 FDIC banks by assets
- 14th
- percentile by asset size, nationally
- 13.35%
- Tier 1 ratio - above the 10% well-capitalized line
- 45th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Platte Valley Bank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Platte Valley Bank's composite health score
Tier 1 Capital Ratio (13.35%) 35/40
Return on Assets (ROA) (1.02%) 20/25
Texas Ratio (1.29%) 20/20
Efficiency Ratio (60.16%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$88M
Customer-funded liabilities
Net Loans
$54M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Platte Valley Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Platte Valley Bank's score of 83/100 falls in the highlighted band.
Platte Valley Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Platte Valley Bank's $105M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.35% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.35%
Texas Ratio
1.29%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
45th percentile nationally
1.02%
Return on Equity (ROE)
8.02%
Efficiency Ratio
60.16%
What the numbers say about Platte Valley Bank
Platte Valley Bank is an FDIC-insured institution (Certificate #9818) headquartered in North Bend, Nebraska, established in 1891. It holds $105M in total assets - 3,702nd of 4,313 FDIC-insured banks, $88M in customer deposits, and $54M in net loans. Its capital position: a Tier 1 ratio of 13.35%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.29% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Platte Valley Bank is a community-scale institution -- 104th of 142 FDIC-insured banks headquartered in Nebraska by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$260K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Platte Valley Bank reports a Texas Ratio of 1.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Platte Valley Bank (FDIC Cert #9818) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of OmahaOmaha | $34.6B | A | 1.51% |
| Union Bank and Trust CompanyLincoln | $9.1B | A | 1.60% |
| Pinnacle BankLincoln | $8.9B | A | 1.26% |
| American National BankOmaha | $5.2B | A | 1.32% |
| Cornerstone BankYork | $2.8B | B | 1.11% |
| Security First BankLincoln | $2.2B | B | 0.90% |
| Five Points BankGrand Island | $2.1B | A | 1.47% |
| Security National Bank of OmahaOmaha | $1.7B | A | 1.28% |
Frequently asked questions
What is Platte Valley Bank's health grade?▼
Platte Valley Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Platte Valley Bank?▼
Platte Valley Bank holds $105M in total assets and $88M in deposits, ranking 3,702nd of 4,313 FDIC-insured banks by asset size. It is headquartered in North Bend, Nebraska.
Is my money safe at Platte Valley Bank?▼
Yes, deposits at Platte Valley Bank (Certificate #9818) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Platte Valley Bank's Tier 1 Capital Ratio?▼
Platte Valley Bank has a Tier 1 Capital Ratio of 13.35%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Platte Valley Bank?▼
Platte Valley Bank has a Texas Ratio of 1.29%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Platte Valley Bank?▼
Platte Valley Bank has an Efficiency Ratio of 60.16%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Platte Valley Bank's profile as a depositor or analyst.
- Platte Valley Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Platte Valley Bank against other Nebraska banks before moving funds. Nebraska banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.