Tri Valley Bank

223 Main Street
Talmage, NE 68448

Notable Rates APY Vs.Others
Savings 0.30% 2.25% →
1-Year CD 1.21% 2.25% →
2-Year CD 2.12% 2.65% →
5-Year CD 2.58% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Tri Valley Bank is an FDIC insured institution located in Talmage, NE. It was founded in 1884 and has approximately $0.05 billion in assets.

FDIC Insured Yes
FDIC Certificate # 10641
Date Established 1884
Assets $0.05 billion
Loans $0.04 billion
Deposits $0.04 billion
Capital $0.00 billion

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

Deposit Rates - December 13, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.50% $500 $9,999 Learn MoreShow Less
Money Market
1.36% $10,000 - Learn MoreShow Less
3 Mo CD
0.65% $500 - Learn MoreShow Less
6 Mo CD
0.75% $500 - Learn MoreShow Less
12 Mo CD
1.21% $500 - Learn MoreShow Less
18 Mo CD
1.41% $500 - Learn MoreShow Less
1.92% $500 $9,999,999 Learn MoreShow Less
24 Mo CD
2.12% $500 - Learn MoreShow Less
1.97% $500 $9,999,999 Learn MoreShow Less
36 Mo CD
2.37% $500 - Learn MoreShow Less
2.02% $500 $9,999,999 Learn MoreShow Less
48 Mo CD
2.32% $500 - Learn MoreShow Less
2.17% $500 $9,999,999 Learn MoreShow Less
60 Mo CD
2.58% $500 - Learn MoreShow Less

Fixed IRA
1.21% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $500 - Learn MoreShow Less

Loan Rates - December 13, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Tri Valley Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
NMLS ID: 2890
License#: 13256
3.625% 3.625% -0.13 ($252) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Tri Valley Bank
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Tri Valley Bank Locations

Financial Details

Tri Valley Bank Ratio Analysis

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

Texas Ratio
Tri Valley Bank U.S. Bank Average
0% 6.77%

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 June 30, 2019, Tri Valley Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,227,000 in equity and $492,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Tri Valley Bank U.S. Bank Average
20.35% 9.50%

Tri Valley Bank has a Return on Equity of 20.35% versus the BestCashCow average of 9.50%. 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.

Tri Valley Bank U.S. Bank Average
8.92% 12.76%

Tri Valley Bank has a Capitalization of 8.92% versus the BestCashCow average of 12.76. 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.

Tri Valley Bank Balance Sheet Analysis

As of June 30, 2019, Tri Valley Bank had assets of $47,405,000, loans of $43,215,000, and deposits of $42,084,000. 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

June 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 billion
Loan loss allowance $0.00 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 $0.00 billion
     Total Assets $0.04 billion
Total deposits $0.04 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.04 billion
      % insured (estimated) 90.85%
Federal funds purchased and repurchase agreements $0.00 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 $0.04 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Tri Valley Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Nebraska, Tri Valley Bank has a significantly higher percent of Small Business 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.83
Credit Card Loans 0.00
Consumer Auto Loans 0.51
Small Business Loans 22.32
Construction and Development Loans 3.30
Commercial Real Estate 23.19
Commercial and Industrial Loans 16.70
Farm Loans 12.88

Frequently Asked Questions About Tri Valley Bank

Branches and Savings

Is Tri Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #10641.

Why does Tri Valley Bank pay such low interest on savings accounts?

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

Why are Tri Valley Bank CD rates not competitive?

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

Is Tri Valley Bank a commercial bank?


Where are Tri Valley Bank locations?

See branch locations nearby.

Is Tri Valley Bank open on Saturdays?

Is Tri Valley Bank open on Sundays?

What time does Tri Valley Bank open?

What time does Tri Valley Bank close?

Are Tri Valley Bank ATMs Open 24/7?

Do Tri Valley Bank ATMs accept cash deposits?

Can Tri Valley Bank customers use other ATMs?

Do Tri Valley Bank branches have notaries?

Will Tri Valley Bank notarize my document?

What address for Tri Valley Bank should I put for incoming ACH transfers?

Will the Tri Valley Bank branch print checks?

Do Tri Valley Bank checks expire?

Does Tri Valley Bank require US citizenship to open account?

Can Tri Valley Bank close my account?

Does Tri Valley Bank Report to credit bureaus?

Does Tri Valley Bank Use Equifax?

What is Tri Valley Bank's ACH Routing Number?

What is Tri Valley Bank's SWIFT code?


Does Tri Valley Bank offer mortgages?

Compare mortgage rates here.

Does Tri Valley Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Tri Valley Bank offer personal loans?

Compare personal loan rates here.

Does Tri Valley Bank offer student loans?

Will Tri Valley Bank cash a check?

Will Tri Valley Bank redeem a savings bond?

Does Tri Valley Bank cash savings bonds?

Will Tri Valley Bank cash money orders?

Can Tri Valley Bank issue a money order?

Does Tri Valley Bank do currency exchange?

Background on The Bank

Who owns Tri Valley Bank?

How long has Tri Valley Bank been around?

Can Tri Valley Bank transfer to other banks?

Does Tri Valley Bank have quick pay?

Does Tri Valley Bank accept rolled coins?

Will Tri Valley Bank accept loose change?

Where is Tri Valley Bank headquarters?

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