Elkhorn Valley Bank & Trust
Norfolk, NE
IDRSSD: 439356
Total Assets
$1.42B
Latest filing
Total Deposits
$1.14B
Latest filing
Net Interest Margin
3.26%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/06/1943 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68701 |
| State and County Number | 31119 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Norfolk, NE |
Operational Info
| Number of Employees | 112 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 03/18/1947 |
| Primary Insurance Agency | DIF |
| Website | www.evb.bank |
| Data Updated | 11/14/2025 |
| CERT | 16553 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.42B |
| Total Deposits | $1.14B |
| Total Liabilities | $1.28B |
| Total Equity Capital | $140.89M |
| Net Income | $4.45M |
| Net Loans and Leases | $1.00B |
| Assets Per Employee ($Millions) | $12M |
| Bank Premises and Fixed Assets | $28.67M |
| Cash and Balances due from Depository Institutions | $33.84M |
| Deposits Held in Domestic Offices | $1.14B |
Key Performance Ratios
| Return on Assets (ROA) | 1.28% |
| Return on Equity (ROE) | 12.9% |
| Net Interest Margin | 3.26% |
| Efficiency Ratio | 49.19% |
| Tier 1 Risk-Based Capital Ratio | 12.663% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.948% |
| Earning Assets to total Assets | 94.04% |
Income and Expense
| Total Interest Income | $19.82M |
| Total Noninterest Income | $1.30M |
| Total Interest Expense | $9.15M |
| Total Noninterest Expense | $5.89M |
| Net Interest Income | $10.66M |
| Pre-tax Net Operating Income | $5.47M |
| Provision for Credit Losses | $600.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $124.09M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $354.00k |
| All Other Liabilities | $8.47M |
| Total Liabilities and Capital | $1.42B |
Securities
| Securities | $304.36M |
| Available-for-sale debt securities | $304.36M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Elkhorn Valley Bank & Trust?
$1.42B as of the latest filing.
How much are Elkhorn Valley Bank & Trust's total deposits?
$1.14B in total deposits.
Where is Elkhorn Valley Bank & Trust located?
Norfolk, NE.
What is the Net Interest Margin?
3.26%.
How many domestic offices does it operate?
8.
When was it established?
07/06/1943.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$1.00B (latest filing).
What is the total interest income (latest filing)?
$19.82M.