Platte Valley Bank
Torrington, Wyoming, Goshen County
$809M in total assets, the 1,273rd largest of 4,309 US banks and 5th of 24 headquartered in Wyoming.
- FDIC certificate
- 5442
- Established
- 1925
- Owned by
- Platte Valley Finl Service Companies
- Primary regulator
- FED
- Website
- www.pvbank.com
At a glance
Compared with 16 banks headquartered in Wyoming with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $809M | 94% | $339M | |
| Loans | $674M | 98% | $166M | |
| Deposits | $693M | 94% | $307M | |
| Return on assets | 1.80% | 81% | 1.26% | |
| Net interest margin | 5.37% | 98% | 4.14% | |
| Efficiency ratio | 50.8% | 12% | 65.2% | |
| Equity to assets | 9.59% | 56% | 9.23% | |
| Loans to deposits | 97% | 98% | 65% |
Growth
Total assets grew 8.6% a year over the last 5 years and 9.2% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2014 | Tri-County Bank Cheyenne, WY, an affiliate under the same holding company | $61M |
| Sep 1989 | The Farmers State Bank Lyman, NE | $6M |
| Jan 1989 | The Minatare State Bank Minatare, NE | $6M |
Where they operate
6 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Goshen County, WY | $238M | 37.9% | 1 of 4 |
| Natrona County, WY | $183M | 7.1% | 5 of 9 |
| Platte County, WY | $163M | 37.2% | 2 of 5 |
| Laramie County, WY | $110M | 3.5% | 10 of 19 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (6 branches then and now). 1 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 6 | |||
| 2018 | Opened CasperClosed Evansville | 1 | 1 | 0 | 6 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 27% | 33% | |
| Business (C&I) | 23% | 14% | |
| 1-4 family residential | 23% | 27% | |
| Farmland | 10% | 6% | |
| Construction and land | 6% | 8% | |
| Agricultural | 5% | 5% | |
| Consumer | 4% | 4% | |
| Multifamily | 2% | 4% | |
| Other | 1% | 0% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 48% | 26% | |
| Other interest-bearing | 32% | 53% | |
| Noninterest-bearing | 20% | 21% |
Brokered deposits are 5.1% of deposits (peers 2.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.40% | 0.44% |
| Net charge-offs, annualized | 0.31% | 0.01% |
| Reserves to loans | 1.96% | 1.35% |
| Leverage ratio | 9.73% | 10.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wyoming
Largest competitors in Goshen County, WY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/platte-valley-bank-torrington-wy