Elkhorn Valley Bank & Trust

800 West Benjamin Avenue
Norfolk, NE 68702

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16553
Date Established 1943
Assets $0.77 billion
Loans $0.41 billion
Deposits $0.67 billion
Capital $0.09 billion

Elkhorn Valley Bank & Trust is an FDIC insured institution located in Norfolk, NE. It was founded in 1943 and has approximately $0.77 billion in assets. Customers can open an account at one of its 10 branches.

For a more detailed analysis of Elkhorn Valley Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Elkhorn Valley Bank & Trust’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Nebraska, Elkhorn Valley Bank & Trust has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.78
Multifamily
Mortgages
0.83
Credit Card Loans 0.28
Consumer Auto Loans 1.90
Small Business Loans 0.00
Construction and Development Loans 4.30
Commercial Real Estate 16.73
Commercial and Industrial Loans 21.91
Farm Loans 24.61

Deposit Rates - March 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.90% $2,500 $24,999 Learn MoreShow Less
Money Market
1.20% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
1.25% $1 - Learn MoreShow Less
12 Mo CD
2.05% $1 - Learn MoreShow Less
24 Mo CD
2.25% $1 - Learn MoreShow Less
36 Mo CD
2.40% $1 - Learn MoreShow Less
48 Mo CD
2.50% $1 - Learn MoreShow Less
60 Mo CD
2.60% $1 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
2.05% $1 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.60% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1 $4,999 Learn MoreShow Less

Loan Rates - March 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Elkhorn Valley Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.560% 4.560% 0.00 $0 $1,276 Learn More
PenFed Credit Union
NMLS ID: 401822
4.250% 4.125% 0.50 $3,750 $1,212 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to Elkhorn Valley Bank & Trust
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Elkhorn Valley Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Elkhorn Valley Bank & Trust Locations


Financial Details

Elkhorn Valley Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Elkhorn Valley Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Elkhorn Valley Bank & Trust U.S. Bank Average
1.78% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, Elkhorn Valley Bank & Trust had $1,179,000 in non-current loans and $542,000 in owned real estate. To cover these potential losses it had $91,484,000 in equity and $5,147,000 in loans loss reserves. That gives it a Texas Ratio of 1.78%.

Return on Equity
Elkhorn Valley Bank & Trust U.S. Bank Average
8.7% 9.95%

Elkhorn Valley Bank & Trust has a Return on Equity of 8.7% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Elkhorn Valley Bank & Trust U.S. Bank Average
11.9% 12.19%

Elkhorn Valley Bank & Trust has a Capitalization of 11.9% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Elkhorn Valley Bank & Trust Balance Sheet Analysis

As of September 30, 2018, Elkhorn Valley Bank & Trust had assets of $768,684,000, loans of $407,322,000, and deposits of $666,768,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.31 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.41 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.68 billion
LIABILITIES
Total deposits $0.67 billion
      Interest-bearing deposits $0.62 billion
      Deposits held in domestic offices $0.67 billion
      % insured (estimated) 83.97%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.68 billion
      Shareholders’ Equity $0.09 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.01 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Elkhorn Valley Bank & Trust

Branches and Savings

Is Elkhorn Valley Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #16553.

Why does Elkhorn Valley Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Elkhorn Valley Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Elkhorn Valley Bank & Trust a commercial bank?

Yes

Where are Elkhorn Valley Bank & Trust locations?

See branch locations nearby.

Is Elkhorn Valley Bank & Trust open on Saturdays?

Is Elkhorn Valley Bank & Trust open on Sundays?

What time does Elkhorn Valley Bank & Trust open?

What time does Elkhorn Valley Bank & Trust close?

Are Elkhorn Valley Bank & Trust ATMs Open 24/7?

Do Elkhorn Valley Bank & Trust ATMs accept cash deposits?

Can Elkhorn Valley Bank & Trust customers use other ATMs?

Do Elkhorn Valley Bank & Trust branches have notaries?

Will Elkhorn Valley Bank & Trust notarize my document?

What address for Elkhorn Valley Bank & Trust should I put for incoming ACH transfers?

Will the Elkhorn Valley Bank & Trust branch print checks?

Do Elkhorn Valley Bank & Trust checks expire?

Does Elkhorn Valley Bank & Trust require US citizenship to open account?

Can Elkhorn Valley Bank & Trust close my account?

Does Elkhorn Valley Bank & Trust Report to credit bureaus?

Does Elkhorn Valley Bank & Trust Use Equifax?

What is Elkhorn Valley Bank & Trust's ACH Routing Number?

What is Elkhorn Valley Bank & Trust's SWIFT code?

Products

Does Elkhorn Valley Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Elkhorn Valley Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Elkhorn Valley Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Elkhorn Valley Bank & Trust offer student loans?

Will Elkhorn Valley Bank & Trust cash a check?

Will Elkhorn Valley Bank & Trust redeem a savings bond?

Does Elkhorn Valley Bank & Trust cash savings bonds?

Will Elkhorn Valley Bank & Trust cash money orders?

Can Elkhorn Valley Bank & Trust issue a money order?

Does Elkhorn Valley Bank & Trust do currency exchange?

Background on The Bank

Who owns Elkhorn Valley Bank & Trust?

How long has Elkhorn Valley Bank & Trust been around?

Can Elkhorn Valley Bank & Trust transfer to other banks?

Does Elkhorn Valley Bank & Trust have quick pay?

Does Elkhorn Valley Bank & Trust accept rolled coins?

Will Elkhorn Valley Bank & Trust accept loose change?

Where is Elkhorn Valley Bank & Trust headquarters?

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