Elkhorn Valley Bank & Trust: how it compares with its peers
Against 20 NE banks with half to twice its assets, Elkhorn Valley Bank & Trust's strongest measure in Q2 2026 is assets per employee ($12.9M vs. a $8.4M peer median). Its weakest relative measure is net interest margin (3.43% vs. 3.53%).
| Measure | Elkhorn Valley Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.25% | 1.23% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.43% | 3.53% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.00% | 61.60% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.9M | $8.4M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.79% | 88.47% | Context |
What it means for lending operations
Its efficiency ratio of 45.00% is better than the 61.60% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- West Gate Bank Lincoln, NE · $1.47B
- Exchange Bank Kearney, NE · $1.58B
- Adams Bank & Trust Ogallala, NE · $1.29B
- Platte Valley Bank Scottsbluff, NE · $1.25B
- Midwest Bank Pierce, NE · $1.24B
- Dayspring Bank Gothenburg, NE · $1.23B
Questions about Elkhorn Valley Bank & Trust
How big is Elkhorn Valley Bank & Trust?
Elkhorn Valley Bank & Trust, established in 1943, is headquartered in Norfolk, NE. It reported $1.49B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Elkhorn Valley Bank & Trust's return on assets?
1.25% annualized in Q2 2026, against a 1.23% median for 20 NE banks with half to twice its assets, ahead of 55% of them.
What is Elkhorn Valley Bank & Trust's efficiency ratio?
45.00% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 61.60%, and lower is better.
Is Elkhorn Valley Bank & Trust growing its loans?
Net loans grew 9.0% over the year to Q2 2026, while deposits grew 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.