Bank of the Valley
Bellwood, Nebraska · FDIC Cert #25291
Bank of the Valley is an FDIC-insured bank (Certificate #25291) with $536M in total assets and $481M in total deposits as of the Q2 2024 Call Report. Headquartered in Bellwood, Nebraska, the bank maintains a Tier 1 capital ratio of 11.05% (Well-Capitalized) and a nonperforming loan ratio of 0.60%. BankHealthData assigns a composite Health Grade of B (67/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of the Valley (FDIC cert 25291) is a community bank — $536M in total assets, $481M in deposits, serving the Bellwood, Nebraska area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.05% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.60% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 15.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.77% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Bank of the Valley carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of the Valley
- Total Assets
- $536M
- Total Deposits
- $481M
- Tier 1 Capital Ratio
- 11.05%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.60%
- Liquidity Ratio
- 15.84%
- Return on Assets
- 0.77%
- Headquarters
- Bellwood, Nebraska
- FDIC Certificate
- #25291
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of the Valley holds a Tier 1 capital ratio of 11.05%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of the Valley has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of the Valley shows strong financial health indicators. With $536M in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of the Valley Compares
Bank of the Valley’s Health Score of 67 is 2 points above the Nebraska state average of 65 across 120 FDIC-insured banks. Its 11.05% Tier 1 capital ratio is 2.9 points below the US banking industry average near 14%. The 0.60% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.77% is below the national ROA benchmark of ~1.1%. Among 1422 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Bank of the Valley is 3 points below the portfolio average of 70.
Frequently Asked Questions
Bank of the Valley has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.05%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of the Valley's Tier 1 capital ratio of 11.05% and nonperforming loan ratio of 0.60% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of the Valley is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #25291). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of the Valley holds $536M in total assets and $481M in total deposits. It is headquartered in Bellwood, Nebraska (FDIC Certificate #25291).
Bank of the Valley has a Tier 1 capital ratio of 11.05%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.60%, and the return on assets is 0.77%.
Yes. Bank of the Valley is FDIC-insured (Certificate #25291). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of the Valley's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.