Platte Valley Bank (Torrington, WY)
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Data as of · sourced from FFIEC call reports. How we update
Platte Valley Bank is an FDIC-insured commercial bank headquartered in Torrington, WY, established in 1925 (FDIC certificate 5442), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $809.2M, up 8.0% from Q2 2025, the 5th largest of 24 banks headquartered in Wyoming. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.73% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5442
- Headquarters
- Torrington, WY
- Established
- 1925
- Total assets, Q2 2026
- $809.2M
- Assets vs Q2 2025
- +8.0%
- Tier 1 leverage ratio, Q2 2026
- 9.73%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 102306699
- Holding company
- PLATTE VALLEY FINANCIAL SERVICE COMPANIES, INC.
- Asset rank in state
- 5th of 24 in Wyoming
Platte Valley Bank earns an unusually wide margin on its lending. Based in Torrington, Wyoming, it had $809 million in assets at June 30, 2026, up 8.0% from a year earlier. It keeps 5.24 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also returns 19.1% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Earnings jumped: net income for the quarter was $3.6 million, 54% above the same quarter a year earlier. Over the same year, loans grew 2.6% and deposits grew 6.9%.
As of June 30, 2026, Platte Valley Bank reported a return on assets of 1.81%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 3.04%. The figures come from its call report filed with the FFIEC.
Of the 24 banks headquartered in Wyoming, Platte Valley Bank is the 5th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.7% to $809.2M, loans rose 0.3% and deposits rose 1.0%. Commercial and industrial loans made up 22.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 22.5%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in WY; its Torrington office books 34% of its branch deposits. On its Q2 2026 call report, Platte Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2201 Main St, Torrington, WY 82240
- County
- Goshen
- Metro Area
- Scottsbluff, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1925
- Former names
- Platte Valley National Bank (1999-2008); Platte Valley National Bank - Morrill, Minatare, Lyman (1996-1999)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 96
- Domestic deposits
- $693.0M
- Allowance for credit losses
- $13.2M
- Net charge-offs (YTD)
- $1.0M
- Average total assets
- $805.2M
- Average total loans
- $674.2M
- Average interest-bearing deposits
- $570.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5442
- Fed RSSD
- 580155
- Website
- www.pvbank.com →
- Parent Holding Company
- PLATTE VALLEY FINANCIAL SERVICE COMPANIES, INC. (RSSD 2511014)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Platte Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Platte Valley Bank's total assets ran between $682.7M (Q4 2023) and $809.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$809.2M total assets against $749.5M; $731.6M total liabilities against $681.4M.
$660.7M net loans and leases against $645.1M; $693.0M total deposits against $648.4M.
$67.2M securities against $58.3M; $51.4M cash and balances due against $17.6M.
$14.1M total interest income against $13.1M; $3.8M total interest expense against $3.8M.
$10.3M net interest income against $9.3M.
$928K total noninterest income against $824K; $5.7M total noninterest expense against $5.5M.
$1.0M provision for credit losses against $1.8M.
$3.6M net income against $2.4M.
1.81% return on assets against 1.27%; 5.24% net interest margin against 5.09%.
9.73% tier 1 leverage ratio against 9.24%.
Inside the full Platte Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePlatte Valley Bank rankings
Its closest position to the top of a national ranking is 741 of 3,611, for ROA; its furthest is 1,854 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.12% (Q4 2024) to 2.09% (Q1 2026) and its net interest margin ran from 4.39% (Q3 2024) to 5.31% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.73% | 1.81% | 0.40% | 3.04% | 5.24% |
| Q1 2026 | 9.51% | 2.09% | 0.34% | 2.82% | 5.19% |
| Q4 2025 | 9.37% | 1.86% | 0.40% | 3.71% | 5.31% |
| Q3 2025 | 9.22% | 1.40% | 0.32% | 2.91% | 5.15% |
| Q2 2025 | 9.24% | 1.27% | 0.36% | 3.01% | 5.09% |
| Q1 2025 | 9.16% | 1.26% | 0.49% | 4.27% | 4.72% |
| Q4 2024 | 9.17% | 1.12% | 0.36% | 3.13% | 4.74% |
| Q3 2024 | 9.18% | 1.29% | 0.49% | 3.99% | 4.39% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Platte Valley Bank (main office) | Torrington , WY | 82240 | $237.7M |
| Wheatland Branch | Wheatland , WY | 82201 | $162.6M |
| Casper West Branch | Casper , WY | 82604 | $102.8M |
| Casper East Branch | Casper , WY | 82609 | $79.7M |
| Vandehei Branch | Cheyenne , WY | 82009 | $69.8M |
| North College Drive Branch | Cheyenne , WY | 82001 | $40.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2014 | Structure Change | Acquired Tri-County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 24, 1989 | Structure Change | Acquired Farmers State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 23, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 30, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 30, 1989 | Structure Change | Acquired The Minatare State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 3.1% of deposits in WY, rank 11 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 222 applications, 189 loans originated, $48.9M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $248K approved, $83K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Platte Valley Bank
What are Platte Valley Bank's total assets?
As of the Q2 2026 filing, Platte Valley Bank reported total assets of $809.2 million in its FFIEC call report.
Where is Platte Valley Bank headquartered?
It is headquartered in Torrington, WY, United States.
When was Platte Valley Bank founded?
It was established in 1925, per the FDIC institution directory.
Is Platte Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Platte Valley Bank?
Platte Valley Bank's primary federal regulator is the Federal Reserve.
How many branches does Platte Valley Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Platte Valley Bank's Texas Ratio?
Its Texas Ratio is 3.04% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Platte Valley Bank previously called?
The charter now named Platte Valley Bank has also operated as Platte Valley National Bank (1999-2008), Platte Valley National Bank - Morrill, Minatare, Lyman (1996-1999), per FDIC structure-change records.
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