Bank of the Valley: how it compares with its peers
Against 47 NE banks with half to twice its assets, Bank of the Valley's strongest measure in Q2 2026 is net interest margin (3.91% vs. a 3.80% peer median). Its weakest relative measure is return on assets (0.87% vs. 1.34%).
| Measure | Bank of the Valley | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.87% | 1.34% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.91% | 3.80% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.81% | 59.13% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $8.1M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.80% | 85.53% | Context |
What it means for lending operations
Its efficiency ratio of 69.81% is above the 59.13% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Horizon Bank Waverly, NE · $574M
- Enterprise Bank Omaha, NE · $574M
- Riverstone Bank Eagle, NE · $593M
- RVR Bank Fremont, NE · $570M
- MNB BANK Mccook, NE · $594M
- Home Federal Savings and Loan Association of Grand Island Grand Island, NE · $563M
Questions about Bank of the Valley
How big is Bank of the Valley?
Bank of the Valley, established in 1984, is headquartered in Bellwood, NE. It reported $582M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Bank of the Valley's return on assets?
0.87% annualized in Q2 2026, against a 1.34% median for 47 NE banks with half to twice its assets, ahead of 11% of them.
What is Bank of the Valley's efficiency ratio?
69.81% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 59.13%, and lower is better.
Is Bank of the Valley growing its loans?
Net loans grew 5.0% over the year to Q2 2026, while deposits grew 5.6%.
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.