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Acquisition dossier · FDIC #12417

Tri-Valley Bank

Randolph, IA · Fremont County · FDIC

$81.4M assets4 officesIndependent institution6/6 core metrics available
Acquisition score94Signal: Earnings pressure

Where this bank sits among peers

888 same-period banks with 0.5× to 2× this bank’s assets. Selected bank excluded.

View metric table ↓
Return on assets886 reported
076151Up to -0.22%: 53 banks-0.22% 0.06%: 20 banks0.06% 0.34%: 62 banks0.34% 0.63%: 96 banks0.63% 0.91%: 128 banks0.91% 1.19%: 151 banks1.19% 1.48%: 139 banks1.48% 1.76%: 91 banks1.76% 2.04%: 64 banksFrom 2.04%: 82 banks≤-0.51%≥2.33%
Median 1.06%Selected bank -0.2%
Distribution data
First and last bins include all tail observations.
RangeBanks
< -0.22%53
-0.22% to < 0.06%20
0.06% to < 0.34%62
0.34% to < 0.63%96
0.63% to < 0.91%128
0.91% to < 1.19%151
1.19% to < 1.48%139
1.48% to < 1.76%91
1.76% to < 2.04%64
≥ 2.04%82

Full range: -12.76% to 5.97%. 2 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 6 / 100. Larger values are not necessarily better.

Net interest margin888 reported
071141Up to 2.83%: 86 banks2.83% 3.12%: 63 banks3.12% 3.4%: 93 banks3.4% 3.68%: 128 banks3.68% 3.96%: 141 banks3.96% 4.25%: 99 banks4.25% 4.53%: 88 banks4.53% 4.81%: 69 banks4.81% 5.09%: 54 banksFrom 5.09%: 67 banks≤2.55%≥5.38%
Median 3.82%Selected bank 4.23%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 2.83%86
2.83% to < 3.12%63
3.12% to < 3.4%93
3.4% to < 3.68%128
3.68% to < 3.96%141
3.96% to < 4.25%99
4.25% to < 4.53%88
4.53% to < 4.81%69
4.81% to < 5.09%54
≥ 5.09%67

Full range: -0.95% to 7.75%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 68 / 100. Larger values are not necessarily better.

Efficiency ratio888 reported
081161Up to 49.22%: 95 banks49.22% 55.65%: 75 banks55.65% 62.07%: 161 banks62.07% 68.49%: 149 banks68.49% 74.91%: 110 banks74.91% 81.34%: 101 banks81.34% 87.76%: 77 banks87.76% 94.18%: 43 banks94.18% 100.61%: 19 banksFrom 100.61%: 58 banks≤42.8%≥107.03%
Median 66.8%Selected bank 74.4%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 49.22%95
49.22% to < 55.65%75
55.65% to < 62.07%161
62.07% to < 68.49%149
68.49% to < 74.91%110
74.91% to < 81.34%101
81.34% to < 87.76%77
87.76% to < 94.18%43
94.18% to < 100.61%19
≥ 100.61%58

Full range: 0% to 436.9%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 65 / 100. Larger values are not necessarily better.

Equity to assets888 reported
082163Up to 7.92%: 128 banks7.92% 9.44%: 139 banks9.44% 10.96%: 163 banks10.96% 12.48%: 139 banks12.48% 14%: 92 banks14% 15.52%: 78 banks15.52% 17.04%: 42 banks17.04% 18.56%: 29 banks18.56% 20.08%: 16 banksFrom 20.08%: 62 banks≤6.4%≥21.6%
Median 11.1%Selected bank 5.8% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 7.92%128
7.92% to < 9.44%139
9.44% to < 10.96%163
10.96% to < 12.48%139
12.48% to < 14%92
14% to < 15.52%78
15.52% to < 17.04%42
17.04% to < 18.56%29
18.56% to < 20.08%16
≥ 20.08%62

Full range: 1.5% to 99.1%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 3 / 100. Larger values are not necessarily better.

Uninsured deposits888 reported
073145Up to 9.17%: 125 banks9.17% 12.83%: 124 banks12.83% 16.5%: 140 banks16.5% 20.17%: 145 banks20.17% 23.83%: 103 banks23.83% 27.5%: 85 banks27.5% 31.17%: 47 banks31.17% 34.83%: 41 banks34.83% 38.5%: 19 banksFrom 38.5%: 59 banks≤5.5%≥42.17%
Median 17.95%Selected bank 16.8%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 9.17%125
9.17% to < 12.83%124
12.83% to < 16.5%140
16.5% to < 20.17%145
20.17% to < 23.83%103
23.83% to < 27.5%85
27.5% to < 31.17%47
31.17% to < 34.83%41
34.83% to < 38.5%19
≥ 38.5%59

Full range: 0.4% to 97.5%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 46 / 100. Larger values are not necessarily better.

Noncurrent loans888 reported
0230459Up to 0.42%: 459 banks0.42% 0.84%: 112 banks0.84% 1.26%: 82 banks1.26% 1.69%: 57 banks1.69% 2.11%: 45 banks2.11% 2.53%: 27 banks2.53% 2.95%: 22 banks2.95% 3.37%: 18 banks3.37% 3.79%: 12 banksFrom 3.79%: 54 banks≤0%≥4.22%
Median 0.4%Selected bank 3.94%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.42%459
0.42% to < 0.84%112
0.84% to < 1.26%82
1.26% to < 1.69%57
1.69% to < 2.11%45
2.11% to < 2.53%27
2.53% to < 2.95%22
2.95% to < 3.37%18
3.37% to < 3.79%12
≥ 3.79%54

Full range: 0% to 21.44%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 94 / 100. Larger values are not necessarily better.

Custom asset cohort, not official UBPR peers. At least five reported observations required per metric.

Reported facts, not a recommendation

Operating evidence

6 / 6 available
Same-period comparisons. Changes in basis points; 100 bp = 1 percentage point.
MetricReportedQoQYoYPeer medianValue percentileValid peers
Earnings-0.20%+68 bp-82 bp1.06%6 / 100886
Earnings4.23%+55 bp+46 bp3.82%68 / 100888
Earnings74.40%N/AN/A66.80%65 / 100888
Capital5.80%-20 bp-110 bp11.10%3 / 100888
Franchise16.80%N/AN/A17.95%46 / 100888
Credit3.94%N/AN/A0.40%94 / 100888
Peer definition, reporting period and interpretation

Custom asset cohort: active banks with 0.5× to 2× this bank’s assets in the same reporting period, excluding this bank. The cohort has 888 institutions. Each metric excludes missing values; fewer than five valid peers suppresses the median and percentile. This is not an official UBPR peer group.

A higher percentile means a larger value, not a better bank. Ties use midrank. Equity/assets is not a regulatory capital ratio. ROA and margin retain the provider’s reported definitions; quarter changes compare reported ratios, not standalone quarterly earnings.

Financial period: 2026-03-31. Missing periods remain N/A. Source: Call Report financials via FDIC.

Questions to take into diligence
  • Return on assets: Separate recurring earnings from one-off items before setting a valuation.
  • Net interest margin: Review deposit repricing and asset yields to test earnings durability.
  • Efficiency ratio: Validate achievable cost savings and the integration expense required.
  • Equity to assets: Test closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.
  • Uninsured deposits: Review depositor concentration, retention and liquidity under runoff assumptions.
  • Noncurrent loans: Inspect loan-level losses, reserves and collateral before accepting a credit mark.
Diligence considerations

Factors to review

1

Uninsured depositsReview depositor concentration, retention and liquidity under runoff assumptions.

2

Net interest marginReview deposit repricing and asset yields to test earnings durability.

Diligence priorities

1

Efficiency ratioValidate achievable cost savings and the integration expense required.

2

Equity to assetsTest closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.

3

Noncurrent loansInspect loan-level losses, reserves and collateral before accepting a credit mark.

Franchise footprint

4 reported branches

$80.1M branch deposits
  1. 1
    Tri-Valley BankRandolph, IA · Fremont
    $56.1MDeposits
  2. 2
    Essex Banking CenterEssex, IA · Page
    $16.9MDeposits
  3. 3
    Nebraska City BranchNebraska City, NE · Otoe
    $6.5MDeposits
  4. 4
    Glenwood BranchGlenwood, IA · Mills
    $531KDeposits

Evidence timeline

Structure changes and public-company filings

0 linked records