# PLATTE VALLEY BANK
NORTH BEND, NE · FDIC certificate 9818 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $107.2M | |
| Deposits | $92.9M | |
| Loans and leases | $52.9M | |
| Total equity | $13.7M | |
| Loans / deposits | 56.19% (p26 of band) | 73.59% |
| Liquid assets / assets | 49.53% (p77 of band) | |
| Uninsured deposits / deposits | 23.16% (p62 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.87% (p70 of band) | 11.76% |
| Unrealized securities loss / equity | -12.44% (p34 of band) | -6.57% |
| AOCI / equity | -1.21% (p23 of band) | |
| ROA (annualized) | 1.29% (p58 of band) | 1.17% |
| Net interest margin | 3.68% (p36 of band) | 3.93% |
| Efficiency ratio | 54.40% (p22 of band) | |
| Noncurrent loans | 0.19% (p41 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 737.86% | |
| Real estate % of loans | 35% | |
| Construction % of loans | 16.60% (p48 of band) | |
| Auto loans | $569,000 (1.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 10 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | deposits shrinking, assets shrinking |  |
| 2015-09 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | uninsured deposits leaving |  |
| 2020-12 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | NIM <2.5% |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 | securities losses >30% of equity | NIM <2.5% |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | securities losses >30% of equity |
| 2023-06 | 3 | securities losses >30% of equity | uninsured deposits leaving |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 1 |  | deposits shrinking, assets shrinking |
| 2024-09 | 0 |  | uninsured deposits leaving |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-17 [Platte Valley Bank Expands with Potter State Bank Merger, Insurance Services Grow Across Region - K2 Radio](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5aOFlaUFhsV2ozUTNhSnlWdFR5bGFwR2ctLU1fZmt3X2pSSmJWNVRjdHVwejlaTE9uMXBfWkJ5Q25ZMHUtMXVKQ1hlWFBlSGV2QWd0Tjd2SDhPQQ?oc=5) · K2 Radio
- 2026-03-11 [Murphy promoted to President of Platte Valley Bank - Platte County Record-Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxOVG96Sk13VEFzQ1dfUFB6dWFvd3l0VEljWS13T1BnTVczQlZWSW81WWpNN1lhbnAwRFJzNC02TTRnclJXQjUyZHRVdTRrNzlwV0RCWHprN0JSZDJvRlB5MF9JZkstQlctc2xmeXNHS3BQRlppRFFOOWZtTWtabmYtMExjWnp0V2lBNzBHS2lfb0E2cG5odHplMjZOZw?oc=5) · Platte County Record-Times
- 2026-03-16 [Merger of Platte Valley, Enevoldsen Mgt. Companies completed - Rural Radio Network](https://news.google.com/rss/articles/CBMimwFBVV95cUxQeEtzTUhxc0p6MTBqUFgzZlh0V01SX0lsd3Jjb2c1ZGZlSmhXaDJVaVNjVmVSemdXc2RvSWZIM3R2bEJ6b0lhUjVBb0hJV2VBWGRJbUhtSnJabFRxWl81OHR3OUlHWHNDZlJSNzFYbHh3eWdJdnBGVEgyemZzSGxhR3RLNExwZ2psOEpBOUpuYTA4aXZSbW9GUTdzUQ?oc=5) · Rural Radio Network
- 2026-05-05 [Chadron Platte Valley Bank Post 12 Schedules - chadronradio.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE42SldPMDlrR0FYdG4zTEJUNUZSZkJHdmNUa1Ixc2lhcjhsUzFnNnNoaFlLVWNLemhudGpwNElrczRsQllrdE03dnJXanFYN19hcDVza19teGJzakJTR1NMYUs5YVJOeFlrcUtoOW4telRNTFVueVRaNkln?oc=5) · chadronradio.com
- 2021-03-09 [Meet the Directors: Zac Karpf - Kansas City Fed](https://news.google.com/rss/articles/CBMickFVX3lxTE5LdnFTdndHVlY5bDNRaWFiM1pUSzNueWZ3T2pjTHQzXzd0aURDdHJnN0xNYXdXU1NIWVc3R0dCM3lWWndRWkFmMHl4RWIwUEJFRl9jNHQ4R1N2c2I5VVVCV1Vvb3JVTGR4Rk9NLXQ0NjBhUQ?oc=5) · Kansas City Fed
- 2025-12-22 [Platte Valley Bank adds locations with Potter State Bank merger - Rural Radio Network](https://news.google.com/rss/articles/CBMingFBVV95cUxOSE1HMVFDR1Q1aXE0M0FYZEZYYmNLQU5rczljTGUyRFdhUXF4VmktMDFfYldyZXNuWnA0aDhEUjR4bnJZQVl4ekZ4bHR2TXpUUmUzbkhSUXNoLVAzVXc5eE43Wjg2dEFiT0stUTNLdzZhZmliQUVwU0V4ckVXLXZ5WkpERnY4MDlsbXEyWk5TeC1ndkYzZ0dtdzhGbmgxQQ?oc=5) · Rural Radio Network
- 2026-04-02 [James Zitterkopf Obituary - Scottsbluff, NE - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQMTlWT0pNWk5YdnJ5eFowUGFGeXF2UHBzSTJ6ald3MklLV1hjN3BacGFwZHdWV3VPbHBqcWoyV2VuZ0M2ZmpsSExJU3B0bi0tQVU5MkdCV2pUakVXenJlTG5DT3BFajlVZHk3UUR4cWw1dGdjUk5pRFZNcmY5Nmd3bERsWDAtZEd3T2M4?oc=5) · Dignity Memorial
- 2019-10-02 [Central Bank acquires Platte Valley Bank - The Platte County Citizen](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZWJ2TXRIc29pRnlLT0tuUEEyZmhua01jRUZTTVJpZWNObjdQTFFkY3piUHdxZ2xhcGtNWlpsNlN2OHBhalk5eEpDRUkzSEYyTTE3SkZaeW5obXkxSHlTY1VUdVBTcnRCcEpJZlZYcndFX2hFX2N6Z2JmNGFaM2hKQVFUN2JZYzVWUUdFeF9TRTBhOTVtOVJURXM1bDFwWE9Zcnp4WlRvWk4?oc=5) · The Platte County Citizen

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9818 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "9818", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide