Elkhorn Valley Bank & Trust (FDIC certificate #16553) is based in Norfolk, Nebraska. Its Q2 2026 call report shows $1.5B in total assets and $1.1B in deposits and 8 offices across 2 states.
Based on its Q2 2026 filing, Elkhorn Valley Bank & Trust scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 139 banks headquartered in Nebraska, it ranks 89th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is capital cushion (55/100; 10.49%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (68 → 71), mostly because the loan quality component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 68 |
| Q4 2024 | 68 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 67 |
| Q4 2025 | 68 |
| Q1 2026 | 68 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.81% |
| Q3 2024 | 9.66% |
| Q4 2024 | 9.64% |
| Q1 2025 | 9.84% |
| Q2 2025 | 10.10% |
| Q3 2025 | 9.93% |
| Q4 2025 | 10.13% |
| Q1 2026 | 10.43% |
| Q2 2026 | 10.49% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.63% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.39% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.77% |
| Q1 2025 | 1.03% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.15% |
| Q4 2025 | 1.16% |
| Q1 2026 | 1.42% |
| Q2 2026 | 1.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $1.5B | 10.49% | 0.39% | 1.25% | 95.8% |
| Q1 2026 | 68 | $1.4B | 10.43% | 0.89% | 1.42% | 91.2% |
| Q4 2025 | 68 | $1.4B | 10.13% | 0.64% | 1.16% | 89.4% |
| Q3 2025 | 67 | $1.4B | 9.93% | 0.67% | 1.15% | 87.7% |
| Q2 2025 | 68 | $1.4B | 10.10% | 0.63% | 1.09% | 89.6% |
| Q1 2025 | 67 | $1.4B | 9.84% | 0.58% | 1.03% | 86.9% |
| Q4 2024 | 68 | $1.4B | 9.64% | 0.15% | 0.77% | 90.1% |
| Q3 2024 | 68 | $1.4B | 9.66% | 0.16% | 0.73% | 91.8% |
| Q2 2024 | 68 | $1.3B | 9.81% | 0.21% | 0.75% | 89.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West Gate BankBank Lincoln, NE | 72 out of 100, Strong | $1.5B | 10.4% | 0.25% | vs |
| Exchange BankBank Kearney, NE | 54 out of 100, Below average | $1.6B | 11.4% | 3.49% | vs |
| Adams Bank & TrustBank Ogallala, NE | 82 out of 100, Strong | $1.3B | 14.1% | 0.55% | vs |
| Platte Valley BankBank Scottsbluff, NE | 66 out of 100, Moderate | $1.2B | 9.5% | 0.57% | vs |
| Midwest BankBank Pierce, NE | 64 out of 100, Moderate | $1.2B | 9.4% | 0.44% | vs |
| Dayspring BankBank Gothenburg, NE | 58 out of 100, Moderate | $1.2B | 10.7% | 1.73% | vs |
Deposit insurance
Is my money safe at Elkhorn Valley Bank & Trust?
Yes. Elkhorn Valley Bank & Trust is an FDIC-insured institution (FDIC certificate #16553). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.2% of deposits ($136.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.15% (benchmark: 10%).
8 locations
Branches
Elkhorn Valley Bank & Trust lists 8 offices in 4 cities across 2 states. Most locations:
- Norfolk, NE (5)
- Pierce, NE (1)
- Wayne, NE (1)
- Yankton, SD (1)
Identity & history
Profile
- Legal name
- Elkhorn Valley Bank & Trust
- Former names
- Commercial State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16553
- RSSD ID
- 439356
- Primary regulator
- FDIC
- Holding company
- Feo Investments Inc
- Established
- July 6, 1943
- Headquarters
- 404 S 25th St, Norfolk, NE 68701
- Website
- www.evb.bank
- Employees
- 116
Quick answers
Elkhorn Valley Bank & Trust: common questions
Is Elkhorn Valley Bank & Trust FDIC insured?
Yes. Elkhorn Valley Bank & Trust is an FDIC-insured institution (FDIC certificate #16553). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Elkhorn Valley Bank & Trust's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Elkhorn Valley Bank & Trust ever failed?
There is no failure record for FDIC certificate #16553 in the FDIC failed bank list.
How many branches does Elkhorn Valley Bank & Trust have?
8 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Norfolk
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| Madison County BankBank Madison, NE | 85 out of 100, Very strong | $613.2M | 15.1% | 0.37% | vs |
| BankFirstBank Norfolk, NE | 85 out of 100, Very strong | $1.2B | 15.3% | 0.84% | vs |
| Battle Creek State BankBank Battle Creek, NE | 81 out of 100, Strong | $71.0M | 14.4% | 0.00% | vs |
| Meadow Grove Federal Credit UnionCredit union Meadow Grove, NE | 76 out of 100, Strong | $6.3M | 15.4% | 2.10% | vs |
| First Nebraska BankBank Valley, NE | 75 out of 100, Strong | $371.4M | 10.3% | 0.23% | vs |