Platte Valley Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.29 percentage points to 3.92%. On net interest margin, Platte Valley Bank ranks 3rd highest among the 24 banks headquartered in Wyoming, at 5.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Platte Valley Bank sits 1.29 points higher, at 5.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.14% |
| Yield on loans | 7.84% |
| Yield on securities | 2.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.24% |
| Yield to cost spread | 4.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.2M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.19% | 2.16% | 4.21% | 6.73% | 2.34% |
| Q4 2023 | 6.21% | 2.31% | 4.10% | 6.65% | 2.31% |
| Q1 2024 | 6.32% | 2.39% | 4.11% | 6.82% | 2.03% |
| Q2 2024 | 6.88% | 2.52% | 4.53% | 7.37% | 2.41% |
| Q3 2024 | 6.74% | 2.53% | 4.39% | 7.23% | 2.45% |
| Q4 2024 | 6.92% | 2.37% | 4.74% | 7.47% | 2.24% |
| Q1 2025 | 6.81% | 2.25% | 4.72% | 7.30% | 2.49% |
| Q2 2025 | 7.15% | 2.24% | 5.09% | 7.69% | 2.34% |
| Q3 2025 | 7.20% | 2.22% | 5.15% | 7.78% | 2.39% |
| Q4 2025 | 7.31% | 2.17% | 5.31% | 7.91% | 2.42% |
| Q1 2026 | 7.09% | 2.03% | 5.19% | 7.80% | 2.65% |
| Q2 2026 | 7.14% | 2.04% | 5.24% | 7.84% | 2.66% |
Platte Valley Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Platte Valley Bank, freeSource: Call Report Schedules RI and RC-K, 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)