Total Assets
$227M
Total balance-sheet footings
FDIC Cert #57933 · North Las Vegas, Nevada · Est. 2005
Valley Bank of Nevada - FDIC Bank Health Profile
A community-scale look at Valley Bank of Nevada's own numbers, pulled straight from its quarterly FDIC Call Report.
- $227M
- Total assets
- B
- Health grade · Good
- 0.69%
- Return on assets
- 15.9%
- Tier 1 capital
Data updated July 2026
The verdict
Valley Bank of Nevada earns a PlainBankData health grade of B (78/100), with well-capitalized at 15.89% Tier 1, 0.69% ROA, 74% efficiency ratio.
- #2,868
- largest of 4,313 FDIC banks by assets
- 33rd
- percentile by asset size, nationally
- 15.89%
- Tier 1 ratio - above the 10% well-capitalized line
- 24th
- 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 Valley Bank of Nevada's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Valley Bank of Nevada's composite health score
Tier 1 Capital Ratio (15.89%) 40/40
Return on Assets (ROA) (0.69%) 14/25
Texas Ratio (3.22%) 20/20
Efficiency Ratio (73.78%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$198M
Customer-funded liabilities
Net Loans
$131M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Valley Bank of Nevada ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Valley Bank of Nevada's score of 78/100 falls in the highlighted band.
Valley Bank of Nevada'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). Valley Bank of Nevada's $227M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.89%
Texas Ratio
3.22%
Equity Capital
$24M
Profitability metrics
Return on Assets (ROA)
24th percentile nationally
0.69%
Return on Equity (ROE)
6.99%
Efficiency Ratio
73.78%
What the numbers say about Valley Bank of Nevada
Valley Bank of Nevada is an FDIC-insured institution (Certificate #57933) headquartered in North Las Vegas, Nevada, established in 2005. It holds $227M in total assets - 2,868th of 4,313 FDIC-insured banks, $198M in customer deposits, and $131M in net loans. On safety, its Tier 1 capital ratio of 15.89% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.22% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Nevada, Valley Bank of Nevada ranks 12th of 15 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$11M
Interest Income
$213K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Valley Bank of Nevada reports a Texas Ratio of 3.22% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.22% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nevada by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Valley Bank of Nevada (FDIC Cert #57933) - 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 Nevada
All Nevada banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Toyota Financial Savings BankHenderson | $15.4B | B | 0.30% |
| Beal Bank USALas Vegas | $14.5B | A | 0.63% |
| Wells Fargo National Bank WestLas Vegas | $9.0B | A | 0.87% |
| Credit One Bank, National AssociationLas Vegas | $2.0B | A | 27.69% |
| Meadows BankLas Vegas | $1.4B | A | 1.72% |
| GBankLas Vegas | $1.4B | A | 2.00% |
| Farm Bureau Bank FSBReno | $1.1B | C | 0.05% |
| Eaglemark Savings BankReno | $744M | A | 4.36% |
Frequently asked questions
What is Valley Bank of Nevada's health grade?▼
Valley Bank of Nevada receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Valley Bank of Nevada?▼
Valley Bank of Nevada holds $227M in total assets and $198M in deposits, ranking 2,868th of 4,313 FDIC-insured banks by asset size. It is headquartered in North Las Vegas, Nevada.
Is my money safe at Valley Bank of Nevada?▼
Yes, deposits at Valley Bank of Nevada (Certificate #57933) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Valley Bank of Nevada's Tier 1 Capital Ratio?▼
Valley Bank of Nevada has a Tier 1 Capital Ratio of 15.89%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Valley Bank of Nevada?▼
Valley Bank of Nevada has a Texas Ratio of 3.22%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Valley Bank of Nevada?▼
Valley Bank of Nevada has an Efficiency Ratio of 73.78%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Valley Bank of Nevada's profile as a depositor or analyst.
- Valley Bank of Nevada's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Valley Bank of Nevada against other Nevada banks before moving funds. Nevada 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.