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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Bellwood, NE · FDIC certificate #25291
BANK OF THE VALLEY is an FDIC-insured institution based in Bellwood, NE (FDIC certificate #25291). In its Q3 2026 Call Report it reported total assets of $595M, total deposits of $489M and net loans of $460M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF THE VALLEY has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $595M in Q3 2026 and were lowest at $557M in Q1 2026.
Total deposits were highest at $491M in Q2 2026 and lowest at $475M in Q1 2026.
Over the whole period total assets rose 6.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $595M | $489M | $460M | 0.91% | 10.01% | 3.94% |
| Q2 2026 | $582M | $491M | $451M | 0.87% | 9.45% | 3.91% |
| Q1 2026 | $557M | $475M | $440M | 0.78% | 8.47% | 3.83% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $34.0M | $22.7M | +$11.2M | +49.4% |
| Federal funds sold | $800K | $900K | -$100K | -11.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $69.9M | $67.8M | +$2.1M | +3.0% |
| Equity securities with readily determinable fair values, not held for trading | $74K | $56K | +$18K | +32.1% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $450.6M | $439.7M | +$10.9M | +2.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $14.9M | $15.1M | -$213K | -1.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $322K | $379K | -$57K | -15.0% |
| All other assets | $11.4M | $10.8M | +$654K | +6.1% |
| Total assets | $581.9M | $557.4M | +$24.5M | +4.4% |
| Liabilities | ||||
| Total deposits | $490.8M | $475.1M | +$15.7M | +3.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $35.1M | $28.1M | +$7.0M | +24.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.0M | $2.9M | +$76K | +2.6% |
| Total liabilities | $528.9M | $506.2M | +$22.7M | +4.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $224K | $224K | $0K | 0.0% |
| Surplus | $32.5M | $32.4M | +$18K | +0.1% |
| Retained earnings | $22.1M | $20.8M | +$1.4M | +6.5% |
| Accumulated other comprehensive income | -$1.8M | -$2.2M | +$364K | +16.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $53.0M | $51.3M | +$1.7M | +3.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $212K | $215K | -$3K | -1.4% |
| Adjusted nonperforming assets | $212K | $215K | -$3K | -1.4% |
| Tangible equity plus allowance | $58.9M | $57.1M | +$1.8M | +3.2% |
| Texas ratio (gross) | 0.36% | 0.38% | -0.02 pts | See points |
| Texas ratio (adjusted) | 0.36% | 0.38% | -0.02 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 11.56% | 11.59% | -0.03 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.56% | 11.59% | -0.03 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.81% | 12.84% | -0.03 pts | See points |
| Tier 1 leverage (approximate) | 9.87% | 9.95% | -0.08 pts | See points |
| Construction and land loans to total capital | 34.10% | 31.26% | +2.85 pts | See points |
| Commercial real estate to total capital | 94.48% | 95.95% | -1.47 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.25% | -5.22% | +0.98 pts | See points |
| Liquidity | ||||
| Core deposits | $423.3M | $406.9M | +$16.3M | +4.0% |
| Non-core funding | $102.7M | $96.3M | +$6.3M | +6.6% |
| Loans to core deposits | 107.93% | 109.58% | -1.65 pts | See points |
| Loans to deposits | 93.07% | 93.85% | -0.77 pts | See points |
| Brokered deposits share of deposits | 6.49% | 6.58% | -0.09 pts | See points |
| Pledged securities share of securities | 56.05% | 39.77% | +16.28 pts | See points |
| Loans pledged, share of loans | 22.29% | 23.83% | -1.54 pts | See points |
| Volatile liabilities | $108.7M | $102.4M | +$6.3M | +6.2% |
| Earnings | ||||
| Earnings before provision, year to date | $3.1M | $1.4M | +$1.7M | +123.6% |
| Earnings before provision, single quarter | $1.7M | $1.4M | +$331K | +23.6% |
| Provision for credit losses, year to date | $72K | $40K | +$32K | +80.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.93% | 6.82% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.74% | 3.95% | -0.21 pts | See points |
| Total interest income to average assets | 6.28% | 6.15% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 1.74% | 1.55% | +0.19 pts | See points |
| Cost of savings and money market deposits | 1.56% | 1.61% | -0.05 pts | See points |
| Cost of time deposits | 3.86% | 3.92% | -0.07 pts | See points |
| Total interest expense to average assets | 2.50% | 2.49% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $595M | $489M | $460M | 0.91% | 10.01% | 3.94% |
| 2026-06-30 | $582M | $491M | $451M | 0.87% | 9.45% | 3.91% |
| 2026-03-31 | $557M | $475M | $440M | 0.78% | 8.47% | 3.83% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $464.6M | 0.50% | 36 | Continuing · -0.03 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.