TellerScore

Platte Valley Bank is a state-chartered bank (fed member) headquartered in Torrington, Wyoming, in business for about 101 years. At the end of Q2 2026 it reported $809.2M in total assets and $693.0M in deposits, with 6 offices.

Platte Valley Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 24 banks headquartered in Wyoming, it ranks 15th. Earnings contributes the most (98/100, 1.95%); capital cushion contributes the least (47/100, 9.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.73%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.40%
Earnings98/100
Return on assets (annualized): 1.95%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 95.3% · 24.4% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (66 → 73), mostly because the earnings component improved by 27 points.

TellerScore
606773Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202462
Q4 202464
Q1 202565
Q2 202566
Q3 202567
Q4 202568
Q1 202673
Q2 202673
Tier 1 leverage ratio
5.00%7.37%9.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.16%
Q3 20249.18%
Q4 20249.17%
Q1 20259.16%
Q2 20259.24%
Q3 20259.22%
Q4 20259.37%
Q1 20269.51%
Q2 20269.73%
Noncurrent loans
0.32%0.42%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.51%
Q3 20240.49%
Q4 20240.36%
Q1 20250.49%
Q2 20250.36%
Q3 20250.32%
Q4 20250.40%
Q1 20260.34%
Q2 20260.40%
Return on assets
0.70%1.40%2.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.90%
Q4 20240.96%
Q1 20251.27%
Q2 20251.27%
Q3 20251.31%
Q4 20251.46%
Q1 20262.10%
Q2 20261.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$809.2M9.73%0.40%1.95%95.3%
Q1 202673$803.6M9.51%0.34%2.10%96.0%
Q4 202568$783.1M9.37%0.40%1.46%98.3%
Q3 202567$774.9M9.22%0.32%1.31%97.7%
Q2 202566$749.5M9.24%0.36%1.27%99.5%
Q1 202565$741.7M9.16%0.49%1.27%98.9%
Q4 202464$732.9M9.17%0.36%0.96%97.1%
Q3 202462$719.4M9.18%0.49%0.90%96.7%
Q2 202460$702.2M9.16%0.51%0.70%100.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.73%
26th
Total risk-based capital0.00%
24th
Problem loans0.40%
50th
Net charge-offs0.31%
8th
Return on assets1.95%
86th
Net interest margin5.37%
96th
Efficiency ratio50.8%
81st
Loans to deposits95.3%
16th
Uninsured deposits24.4%
49th
Loan-loss reserves1.96%
93rd
Texas ratio3.0%
48th

Similar-size banks in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of GilletteBank Gillette, WY86 out of 100, Very strong$651.9M14.9%0.72%vs
First Northern Bank of WyomingBank Buffalo, WY61 out of 100, Moderate$982.6M7.9%0.54%vs
First Federal Bank & TrustBank Sheridan, WY40 out of 100, Below average$621.1M11.1%3.29%vs
Jonah Bank of WyomingBank Casper, WY76 out of 100, Strong$562.8M9.6%0.00%vs
Security State BankBank Basin, WY71 out of 100, Strong$449.1M10.4%0.22%vs
Bank of Star ValleyBank Afton, WY85 out of 100, Very strong$420.0M10.8%0.09%vs

Deposit insurance

Is my money safe at Platte Valley Bank?

Yes. Platte Valley Bank is an FDIC-insured institution (FDIC certificate #5442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.4% of deposits ($169.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Platte Valley Bank lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Platte Valley Bank reported 217 home-loan applications under HMDA (LEI 549300ZFJ1696ECS0S38): 189 originated ($48,875,000 total), 10 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Platte Valley Bank
Former names
Platte Valley National Bank - Morrill, Minatare, Lyman; Platte Valley National Bank; First National Bank in Morrill
Type
State-chartered bank (Fed member)
FDIC certificate #
5442
RSSD ID
580155
Primary regulator
FED
Holding company
Platte Valley Finl Service Companies
Established
January 1, 1925
Headquarters
2201 Main St, Torrington, WY 82240
Employees
96

Quick answers

Platte Valley Bank: common questions

Is Platte Valley Bank FDIC insured?

Yes. Platte Valley Bank is an FDIC-insured institution (FDIC certificate #5442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Platte Valley Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Platte Valley Bank ever failed?

There is no failure record for FDIC certificate #5442 in the FDIC failed bank list.

How many branches does Platte Valley Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Torrington

InstitutionScoreAssetsCapitalProblem loansCompare
Pinnacle Bank - WyomingBank Cody, WY77 out of 100, Strong$1.3B10.7%0.26%vs
Points West Community BankBank Windsor, CO75 out of 100, Strong$877.6M9.2%0.06%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Platte Valley BankBank Scottsbluff, NE66 out of 100, Moderate$1.2B9.5%0.57%vs
Nebraska Rural Community Federal Credit UnionCredit union Morrill, NE34 out of 100, Low$3.7M10.0%4.28%vs