Bank · FDIC insured
Elkhorn Valley Bank
A $1.5B bank headquartered in Norfolk, NE, with 8 branches in 2 states. Best rates: CDs 4.20% and savings 1.00% APY.
Elkhorn Valley Bank Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#4 of 13 in Norfolk, NE metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Elkhorn Valley Bank
Founded in 1943 in Hoskins, Nebraska, Elkhorn Valley Bank & Trust is a locally-owned, independent bank.
Commercial State Bank and Elkhorn Valley Bank merged in 1997 to create Elkhorn Valley Bank & Trust, which is headquartered in Norfolk, Nebraska.
After acquiring First National Bank of Wayne in 2015 and expanding into South Dakota in 2021, the bank operates eight locations.
- Headquarters
- 404 S 25th St, Norfolk, NE 68701
- FDIC certificate
- 16553 ↗
Branches
8 branches in 2 states
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Nebraska
7 branches
Norfolk area · 6
- Elkhorn Valley Bank & TrustMain office404 S 25th St, Norfolk, NE 68701Directions
- Benjamin Ave Branch800 W Benjamin Ave, Norfolk, NE 68701Directions
- Hy-Vee Branch120 E Norfolk Ave, Norfolk, NE 68701Directions
- Hyvee West Branch2107 Taylor Ave, Norfolk, NE 68701Directions
- Omaha Avenue Branch1010 W Omaha Ave, Norfolk, NE 68701Directions
- Pierce Branch118 E Main St, Pierce, NE 68767Directions
Wayne area · 1
- First Nebraska Bank Of Wayne Branch411 E 7th St, Wayne, NE 68787Directions
South Dakota
1 branch
- Yankton Branch114 Douglas Ave, Yankton, SD 57078Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.49% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.39% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.25% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $97 | $88 | — |
- CapitalLeverage ratio10.49%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.39%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.25%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$97Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Elkhorn Valley Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.