Platte Valley Bank
Scottsbluff, Nebraska, Scotts Bluff County
$1.2B in total assets, the 887th largest of 4,309 US banks and 12th of 139 headquartered in Nebraska.
- FDIC certificate
- 34211
- Established
- 1996
- Owned by
- Platte Valley Finl Service Companies
- Primary regulator
- FED
- Website
- www.pvbank.com
At a glance
Compared with 20 banks headquartered in Nebraska with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.2B | 50% | $1.3B | |
| Loans | $936M | 55% | $915M | |
| Deposits | $1.1B | 50% | $1.1B | |
| Return on assets | 1.24% | 50% | 1.23% | |
| Net interest margin | 4.25% | 90% | 3.43% | |
| Efficiency ratio | 60.0% | 40% | 61.6% | |
| Equity to assets | 9.53% | 30% | 9.98% | |
| Loans to deposits | 87% | 35% | 90% |
Growth
Total assets grew 6.4% a year over the last 5 years and 9.0% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2026 | The Potter State Bank of Potter Potter, NE | $54M |
| Sep 2018 | The American Bank of Sidney, Nebraska Sidney, NE | $90M |
Where they operate
12 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Scotts Bluff County, NE | $774M | 66.0% | 1 of 6 |
| Cheyenne County, NE | $155M | 32.0% | 1 of 5 |
| Morrill County, NE | $76M | 40.8% | 1 of 4 |
| Dawes County, NE | $33M | 9.9% | 5 of 6 |
| Box Butte County, NE | $31M | 9.1% | 5 of 7 |
| Kimball County, NE | $4M | 1.8% | 3 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 5 branches since 2016 (7 to 12, +71.4%). 2 opened, 4 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2018 | Acquired The American Bank of Sidney, Nebraska | 2 | 0 | +2 | 9 |
| 2019 | Closed Minatare | 0 | 1 | −1 | 8 |
| 2021 | Opened Alliance and Chadron | 2 | 0 | +2 | 10 |
| 2026 through Q2 | Acquired The Potter State Bank of Potter | 2 | 0 | +2 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 26% | 16% | |
| Business (C&I) | 19% | 13% | |
| Commercial real estate | 16% | 29% | |
| Agricultural | 15% | 10% | |
| Farmland | 12% | 12% | |
| Consumer | 7% | 2% | |
| Construction and land | 4% | 9% | |
| Multifamily | 1% | 7% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 55% | |
| Time deposits | 38% | 31% | |
| Noninterest-bearing | 18% | 14% |
Brokered deposits are 2.4% of deposits (peers 10.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.57% | 0.35% |
| Net charge-offs, annualized | 0.09% | 0.00% |
| Reserves to loans | 1.38% | 1.34% |
| Leverage ratio | 9.54% | 10.43% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Scotts Bluff County, NE
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/platte-valley-bank-scottsbluff-ne