Valley Bank of Nevada
North Las Vegas, Nevada · FDIC Cert #57933
Valley Bank of Nevada is an FDIC-insured bank (Certificate #57933) with $205M in total assets and $180M in total deposits as of the Q2 2024 Call Report. Headquartered in North Las Vegas, Nevada, the bank maintains a Tier 1 capital ratio of 14.15% (Well-Capitalized) and a nonperforming loan ratio of 0.77%. BankHealthData assigns a composite Health Grade of A (85/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Valley Bank of Nevada (FDIC cert 57933) is a community bank — $205M in total assets, $180M in deposits, serving the North Las Vegas, Nevada area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.15% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.77% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 25.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.95% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Valley Bank of Nevada carries a composite BankHealth grade of A (85/100) 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: Valley Bank of Nevada
- Total Assets
- $205M
- Total Deposits
- $180M
- Tier 1 Capital Ratio
- 14.15%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.77%
- Liquidity Ratio
- 25.91%
- Return on Assets
- 0.95%
- Headquarters
- North Las Vegas, Nevada
- FDIC Certificate
- #57933
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Valley Bank of Nevada holds a Tier 1 capital ratio of 14.15%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Valley Bank of Nevada has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Valley Bank of Nevada shows strong financial health indicators. With $205M in assets and a Health Score of 85/100, 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 Valley Bank of Nevada Compares
Valley Bank of Nevada’s Health Score of 85 is 22 points above the Nevada state average of 63 across 16 FDIC-insured banks. Its 14.15% Tier 1 capital ratio is 0.2 points above the US banking industry average near 14%. The 0.77% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.95% is below the national ROA benchmark of ~1.1%. Among 1525 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Valley Bank of Nevada is 15 points above the portfolio average of 70.
Frequently Asked Questions
Valley Bank of Nevada has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.15%, 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. Valley Bank of Nevada's Tier 1 capital ratio of 14.15% and nonperforming loan ratio of 0.77% 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 Valley Bank of Nevada is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57933). 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.
Valley Bank of Nevada holds $205M in total assets and $180M in total deposits. It is headquartered in North Las Vegas, Nevada (FDIC Certificate #57933).
Valley Bank of Nevada has a Tier 1 capital ratio of 14.15%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.77%, and the return on assets is 0.95%.
Yes. Valley Bank of Nevada is FDIC-insured (Certificate #57933). 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Valley Bank of Nevada'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.