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Elkhorn Valley Bank & Trust
Norfolk, NE · FDIC Certificate #16553 · Chartered 07/0
Total assets
$1.49B
Total deposits
$1.12B
Total equity
$152.99M
Net loans
$1.07B
Branches (offices)
8
Net income (YTD)
$9.07M
Rank: #744 of 4,213 U.S. banks by assets · #9 of 138 in Nebraska. Assets changed 8.6% and deposits 2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.25% |
| Return on equity | 12.11% |
| Net interest margin (YTD) | 3.43% |
| Equity to assets | 10.26% |
| Tier 1 leverage ratio | 10.49% |
| Uninsured deposits (share of deposits) | 12.2% |
| Noncurrent loans (share of loans) | 0.39% |
| Net charge-offs (share of loans) | 0.37% |
| Loans to deposits | 95.8% |
| Real estate loans (share of loans) | 66.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $711.34M | 66.4% | |
| Commercial & industrial | $159.81M | 14.9% | |
| Consumer / individual | $15.88M | 1.5% | |
| Construction & development | $61.88M | 5.8% | |
| Agricultural | $195.32M | 18.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $978.52M | $865.31M | $4.89M | $109.84M |
| Jun 2023 | $1.09B | $929.50M | $3.51M | $110.23M |
| Jun 2024 | $1.30B | $1.03B | $4.78M | $120.54M |
| Jun 2025 | $1.37B | $1.10B | $7.47M | $135.07M |
| Jun 2026 | $1.49B | $1.12B | $9.07M | $152.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $1.02B | 7 |
| South Dakota | $98.23M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.12B.
Similar-sized banks
Park State Bank ($1.49B) · Pathfinder Bank ($1.49B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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