BlastPoint's Banking Scorecard
Platte Valley Bank
Community
Specialty: Commercial
WY
FDIC cert 5442
Torrington, WY
1484
banks in Community tier nationally
8 in WY
View Community leaderboard (WY) →
Platte Valley Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.56% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 18% in Community
- - Credit Quality Pressure: Bottom 24% in Community
- - Liquidity Strain: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$783.1M
+6.8% YoY
+1.1% QoQ
|
-$608.4M |
$1.4B
+2.0% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$650.9M
+5.3% YoY
-0.3% QoQ
|
-$324.5M |
$975.5M
+2.4% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$662.2M
+4.1% YoY
-0.9% QoQ
|
-$502.4M |
$1.2B
+1.7% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.46%
+52.1% YoY
+10.7% QoQ
|
+0.29% |
1.16%
+17.2% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
5.23%
+14.6% YoY
+1.7% QoQ
|
+1.56% |
3.66%
+9.1% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
53.47%
-12.0% YoY
-2.8% QoQ
|
-9.16% |
62.63%
-5.3% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.41%
+12.1% YoY
+23.9% QoQ
|
-0.22% |
0.63%
+18.3% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
98.30%
+1.2% YoY
+0.6% QoQ
|
+15.24% |
83.06%
+0.3% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
18.83%
+2.1% YoY
-1.3% QoQ
|
-2.21% |
21.05%
-0.9% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.41%
+27.0% YoY
+33.8% QoQ
|
-0.09% |
0.50%
+20.3% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.48%
+39.6% YoY
+50.8% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 4%
in Community
Why this stands out
Current:
5.23%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (3)
Credit Risk Growth
risk
#117 of 642 · Bottom 18% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#192 of 808 · Bottom 24% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.41%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Liquidity Strain
risk
#228 of 513 · Bottom 44% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.30%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Net Interest Margin
Current: 5.23% · Tier avg: 3.66%
76
76th pctile
Efficiency Ratio
Current: 53.47% · Tier avg: 62.63%
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
46
46th pctile
Total Loans
Current: $650.9M · Tier avg: $975.5M
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.83% · Tier avg: 21.05%
35
35th pctile
Total Deposits
Current: $662.2M · Tier avg: $1.2B
34
34th pctile
Total Assets
Current: $783.1M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.30% · Tier avg: 83.06%
Top Weaknesses
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.30% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Total Assets
Current: $783.1M · Tier avg: $1.4B
35
35th pctile
Total Deposits
Current: $662.2M · Tier avg: $1.2B
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.83% · Tier avg: 21.05%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
46
46th pctile
Total Loans
Current: $650.9M · Tier avg: $975.5M
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
76
76th pctile
Efficiency Ratio
Current: 53.47% · Tier avg: 62.63%
96
96th pctile
Net Interest Margin
Current: 5.23% · Tier avg: 3.66%