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Platte Valley Bank

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

Torrington, WY

6 branches across WY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in WY.
  • Deposits +6.9% year over year ($693.0M on the books).
  • Delinquency rate 0.41%.
  • Return on assets 1.95%.
  • Efficiency ratio 50.83% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.34% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 17 in WY
View $100M-$1B leaderboard (WY) →

Platte Valley Bank has 4 strengths but faces 3 concerns

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 13.6% in tier
  • + Net Interest Margin 1.39% above tier average
  • + Efficiency Ratio 13.65% below tier average
  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 2.8% in tier
  • - Credit Quality Pressure: Bottom 21.4% in tier
  • - Liquidity Strain: Bottom 23.0% in tier
Get updates when Platte Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Total Assets ? $809.2M
+8.0% YoY +0.7% QoQ
+$422.6M $386.6M
+1.2% YoY
$450.2M
+6.6% YoY
$6.3B
+7.7% YoY
Top 7.7% in tier
Total Loans ? $660.7M
+2.4% YoY +0.3% QoQ
+$402.3M $258.3M
+1.7% YoY
$256.9M
+8.1% YoY
$3.2B
+9.4% YoY
Top 3.6% in tier
Total Deposits ? $693.0M
+6.9% YoY +1.0% QoQ
+$366.2M $326.7M
+0.7% YoY
$395.8M
+5.2% YoY
$4.9B
+7.3% YoY
Top 7.4% in tier
Return on Assets ? 1.95%
+53.8% YoY -6.9% QoQ
+0.63% 1.32%
+10.8% YoY
1.35%
+50.4% YoY
1.30%
+12.1% YoY
Top 14.1% in tier
Net Interest Margin ? 5.37%
+6.3% YoY +0.2% QoQ
+1.39% 3.99%
+5.0% YoY
3.97%
+6.9% YoY
3.95%
+4.9% YoY
Top 3.9% in tier
Efficiency Ratio ? 50.83%
-8.0% YoY -0.5% QoQ
-13.65% 64.48%
-3.2% YoY
70.09%
-6.6% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.41%
+12.7% YoY +18.4% QoQ
-0.51% 0.92%
+15.7% YoY
0.54%
-5.2% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 95.34%
-4.2% YoY -0.7% QoQ
+17.39% 77.95%
+1.0% YoY
246.53%
+252.1% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 19.61%
+2.5% YoY -1.4% QoQ
-2.42% 22.03%
-0.6% YoY
24.71%
-0.8% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.34%
+6.9% YoY +7.7% QoQ
-0.33% 0.67%
+16.4% YoY
0.41%
+17.6% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 9.73%
+5.3% YoY +2.3% QoQ
-6.18% 15.91%
+1.4% YoY
20.04%
+15.3% YoY
17.09%
+0.8% YoY
Bottom 7.5% in tier
Non-Interest Income / Assets ? 0.25%
+13.2% YoY +84.9% QoQ
-0.32% 0.57%
+7.6% YoY
0.52%
+37.3% YoY
0.66%
+5.2% YoY
63%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Noninterest-Bearing 19.6%
+0.5pp YoY
-0.3pp QoQ
 -2.5pp 22.1% 24.7% 22.2% 43%
Brokered Deposits 5.1%
-2.2pp YoY
-0.1pp QoQ
 -2.8pp 7.9% 12.5% 8.5% 52%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
C&I 23.0%
+0.9pp YoY
+0.5pp QoQ
 +11.5pp 11.6% 16.1% 12.5% 92%
CRE 35.6%
-0.3pp YoY
-0.3pp QoQ
 -4.0pp 39.5% 45.3% 41.4% 44%
1-4 Family 23.0%
+1.2pp YoY
+0.9pp QoQ
 -9.6pp 32.6% 25.2% 31.3% 37%
Consumer 4.4%
-0.5pp YoY
0.0pp QoQ
 +0.3pp 4.1% 4.1% 5.0% 73%

Capital

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 25.5% 19.7% n/a
Leverage Ratio 9.7%
+0.5pp YoY
+0.2pp QoQ
 -2.4pp 12.2% 11.6% 12.6% 26%
Total Capital Ratio n/a n/a 19.9% 26.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Full-Time Employees 96
+3 (+3.2%) YoY
+2 (+2.1%) QoQ
 +37 58 57 482 85%
Assets per Employee ($) $8.4M
+4.6% YoY
-1.4% QoQ
 +$911K $7.5M $8.7M $8.8M 73%
Branch Count 6
0 YoY
0 QoQ
 +1 4 4 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 39%
Nonaccrual 0.4%
+0.1pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.6% 1.0% 44%
Allowance Coverage 4.86x
-1.3% YoY
-15.9% QoQ
 -19.29x 24.15x 18.30x 20.23x 70%
Net Charge-off Rate (YTD) 0.3%
-0.2pp YoY
+0.1pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
ROE 20.8%
+6.6pp YoY
-1.8pp QoQ
 +8.6pp 12.2% 9.7% 11.6% 90%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 68%
Net Income ($, YTD) $7.8M
+65.7% YoY
— QoQ
 +$5.2M $2.6M $3.2M $40.4M 97%

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
#91 of 661 • Top 13.6% in tier

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

Why this signature
Return on Assets: 1.95%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk
#27 of 936 • Bottom 2.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#270 of 1256 • Bottom 21.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.41%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Liquidity Strain

risk
#160 of 691 • Bottom 23.0% 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: 95.34%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

96
Total Loans
size
Value: $660.65M
Peer Median: $258.35M
#96 of 2643 Top 3.6% in $100M-$1B
103
Net Interest Margin
profitability
Value: 5.37%
Peer Median: 3.99%
#103 of 2643 Top 3.9% in $100M-$1B
196
Total Deposits
size
Value: $692.96M
Peer Median: $326.73M
#196 of 2643 Top 7.4% in $100M-$1B
204
Total Assets
size
Value: $809.18M
Peer Median: $386.57M
#204 of 2643 Top 7.7% in $100M-$1B
373
Return on Assets
profitability
Value: 1.95%
Peer Median: 1.32%
#373 of 2643 Top 14.1% in $100M-$1B
491
Efficiency Ratio
profitability
Value: 50.83%
Peer Median: 64.48%
#491 of 2643 Top 18.5% in $100M-$1B

Top Weaknesses (2 metrics)

2447
Tier 1 Capital Ratio
capital
Value: 9.73%
Peer Median: 15.91%
#2447 of 2643 Bottom 7.5% in $100M-$1B
2226
Loan-to-Deposit Ratio
liquidity
Value: 95.34%
Peer Median: 77.95%
#2226 of 2643 Bottom 15.8% in $100M-$1B
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