BlastPoint's Banking Scorecard

Platte Valley Bank

$100M-$1B Specialty: Commercial WY FDIC cert 5442

Torrington, WY

6 branches across WY

2664 banks in the $100M-$1B peer group nationally 17 in WY

Platte Valley Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 9.6% in tier
+ Net Interest Margin 1.43% above tier average
+ Efficiency Ratio 14.21% below tier average
+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 28.8% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Total Assets ?	$803.6M +8.3% YoY +2.6% QoQ	+$417.5M	$386.1M +0.5% YoY	$445.8M +4.9% YoY	$6.2B +9.1% YoY	Top 8.0% in tier
Total Loans ?	$658.7M +3.4% YoY +1.2% QoQ	+$402.9M	$255.7M +1.1% YoY	$250.1M +8.7% YoY	$3.2B +10.8% YoY	Top 3.8% in tier
Total Deposits ?	$686.4M +6.6% YoY +3.6% QoQ	+$358.4M	$328.0M +0.1% YoY	$397.2M +4.6% YoY	$4.8B +8.2% YoY	Top 7.8% in tier
Return on Assets ?	2.10% +65.3% YoY +44.2% QoQ	+0.83%	1.27% +12.9% YoY	1.18% +46.8% YoY	1.23% +13.4% YoY	Top 10.2% in tier
Net Interest Margin ?	5.36% +10.5% YoY +2.6% QoQ	+1.43%	3.93% +6.0% YoY	3.82% +5.9% YoY	3.89% +5.7% YoY	Top 3.9% in tier
Efficiency Ratio ?	51.08% -10.3% YoY -4.5% QoQ	-14.21%	65.29% -4.5% YoY	71.89% -9.4% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	0.35% -29.9% YoY -14.6% QoQ	-0.54%	0.89% +18.8% YoY	0.47% -19.3% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	95.96% -3.0% YoY -2.4% QoQ	+19.33%	76.64% +0.8% YoY	68.79% +12.9% YoY	76.70% +0.9% YoY	Bottom 14.2% in tier
Non-Interest-Bearing Deposit Share ?	19.88% +6.2% YoY +5.6% QoQ	-2.14%	22.02% -1.0% YoY	24.89% +11.1% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	0.31% -29.2% YoY -23.5% QoQ	-0.33%	0.64% +19.7% YoY	0.38% +6.8% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	9.51% +3.9% YoY +1.5% QoQ	-6.32%	15.83% +1.5% YoY	19.62% +12.7% YoY	17.06% +0.8% YoY	Bottom 4.6% in tier
Non-Interest Income / Assets ?	0.13% +21.7% YoY -71.9% QoQ	-0.15%	0.28% +9.3% YoY	0.21% +17.8% YoY	0.32% +4.1% YoY	68%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#65 of 666 • Top 9.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.10%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Strain

risk

#186 of 643 • Bottom 28.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.96%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

103

Total Loans

size

Value: $658.65M

Peer Median: $255.72M

#103 of 2664 Top 3.8% in $100M-$1B

105

Net Interest Margin

profitability

Value: 5.36%

Peer Median: 3.93%

#105 of 2664 Top 3.9% in $100M-$1B

208

Total Deposits

size

Value: $686.36M

Peer Median: $327.97M

#208 of 2664 Top 7.8% in $100M-$1B

214

Total Assets

size

Value: $803.56M

Peer Median: $386.08M

#214 of 2664 Top 8.0% in $100M-$1B

274

Return on Assets

profitability

Value: 2.10%

Peer Median: 1.27%

#274 of 2664 Top 10.2% in $100M-$1B

473

Efficiency Ratio

profitability

Value: 51.08%

Peer Median: 65.29%

#473 of 2664 Top 17.7% in $100M-$1B

Top Weaknesses (2 metrics)

2543

Tier 1 Capital Ratio

capital

Value: 9.51%

Peer Median: 15.83%

#2543 of 2664 Bottom 4.6% in $100M-$1B

2288

Loan-to-Deposit Ratio

liquidity

Value: 95.96%

Peer Median: 76.64%

#2288 of 2664 Bottom 14.2% in $100M-$1B