Platte Valley Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 25.1% higher than in Q1 2026, at $2.2M. As of Q2 2026, Platte Valley Bank ranks first in Wyoming on loan-to-deposit ratio among 23 banks, at 97.25%. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Platte Valley Bank sits 16.41 points higher, at 97.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $673.9M |
| Net loans and leases | $660.7M |
| Loans held for sale | $2.2M |
| Loans to total assets | 83.28% |
| Loan-to-deposit ratio | 97.25% |
| Net loans to equity capital | 8.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.37% |
| Multifamily (5+ residential) | 1.56% |
| Commercial and industrial | 22.56% |
| Consumer | 4.32% |
| Credit cards | 0.25% |
| Farm | 10.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 152.10% |
| Construction concentration (Tier 1 capital + allowance) | 43.70% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $13.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $575.3M | $579.4M | 24.88% | 21.29% | 6.21% |
| Q4 2023 | $589.0M | $577.1M | 24.63% | 20.66% | 5.92% |
| Q1 2024 | $595.1M | $598.1M | 25.24% | 20.16% | 5.87% |
| Q2 2024 | $610.1M | $598.1M | 24.49% | 20.43% | 5.64% |
| Q3 2024 | $604.1M | $614.2M | 26.07% | 20.47% | 5.65% |
| Q4 2024 | $628.6M | $636.3M | 27.72% | 20.22% | 5.37% |
| Q1 2025 | $647.6M | $643.8M | 28.72% | 20.81% | 4.97% |
| Q2 2025 | $656.7M | $648.4M | 29.66% | 21.77% | 4.85% |
| Q3 2025 | $665.6M | $668.2M | 29.42% | 22.09% | 4.72% |
| Q4 2025 | $664.3M | $662.2M | 27.88% | 22.63% | 4.49% |
| Q1 2026 | $671.9M | $686.4M | 27.99% | 22.05% | 4.34% |
| Q2 2026 | $673.9M | $693.0M | 27.37% | 22.56% | 4.32% |
Platte Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Platte Valley Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Platte Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5442) · FFIEC NIC profile (RSSD 580155)