Total Assets
$783M
Total balance-sheet footings
FDIC Cert #5442 · Torrington, Wyoming · Est. 1925
Platte Valley Bank - FDIC Bank Health Profile
A community-scale look at Platte Valley Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $783M
- Total assets
- B
- Health grade · Good
- 1.46%
- Return on assets
- 9.4%
- Tier 1 capital
Data updated July 2026
The verdict
Platte Valley Bank earns a PlainBankData health grade of B (70/100), with 9.37% Tier 1 capital, profitable at 1.46% ROA, efficient (53% cost ratio).
- #1,278
- largest of 4,313 FDIC banks by assets
- 70th
- percentile by asset size, nationally
- 9.37%
- Tier 1 ratio - below the 10% well-capitalized line
- 72nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Platte Valley Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Platte Valley Bank's composite health score
Tier 1 Capital Ratio (9.37%) 18/40
Return on Assets (ROA) (1.46%) 20/25
Texas Ratio (3.10%) 20/20
Efficiency Ratio (53.47%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$662M
Customer-funded liabilities
Net Loans
$651M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Platte Valley Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Platte Valley Bank's score of 70/100 falls in the highlighted band.
Platte Valley Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Platte Valley Bank's $783M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.37% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.37%
Texas Ratio
3.10%
Equity Capital
$72M
Profitability metrics
Return on Assets (ROA)
72nd percentile nationally
1.46%
Return on Equity (ROE)
16.10%
Efficiency Ratio
53.47%
What the numbers say about Platte Valley Bank
Platte Valley Bank is an FDIC-insured institution (Certificate #5442) headquartered in Torrington, Wyoming, established in 1925. It holds $783M in total assets - 1,278th of 4,313 FDIC-insured banks, $662M in customer deposits, and $651M in net loans. Looking at capital strength, Tier 1 stands at 9.37%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.10%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Wyoming, Platte Valley Bank ranks 5th of 24 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$53M
Interest Income
$4M
Non-Interest Income
$22M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Platte Valley Bank reports a Texas Ratio of 3.10% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.10% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wyoming by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Platte Valley Bank (FDIC Cert #5442) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wyoming
All Wyoming banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Pinnacle Bank - WyomingCody | $1.3B | A | 1.28% |
| Hilltop National BankCasper | $1.2B | A | 1.72% |
| The Converse County BankDouglas | $1.1B | A | 1.14% |
| First Northern Bank of WyomingBuffalo | $894M | B | 1.13% |
| First National Bank of GilletteGillette | $626M | A | 1.35% |
| First Federal Bank & TrustSheridan | $611M | C | 0.43% |
| Jonah Bank of WyomingCasper | $558M | B | 1.92% |
| Security State BankBasin | $444M | B | 0.45% |
Frequently asked questions
What is Platte Valley Bank's health grade?▼
Platte Valley Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Platte Valley Bank?▼
Platte Valley Bank holds $783M in total assets and $662M in deposits, ranking 1,278th of 4,313 FDIC-insured banks by asset size. It is headquartered in Torrington, Wyoming.
Is my money safe at Platte Valley Bank?▼
Yes, deposits at Platte Valley Bank (Certificate #5442) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Platte Valley Bank's Tier 1 Capital Ratio?▼
Platte Valley Bank has a Tier 1 Capital Ratio of 9.37%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Platte Valley Bank?▼
Platte Valley Bank has a Texas Ratio of 3.10%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Platte Valley Bank?▼
Platte Valley Bank has an Efficiency Ratio of 53.47%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Platte Valley Bank's profile as a depositor or analyst.
- Platte Valley Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Platte Valley Bank against other Wyoming banks before moving funds. Wyoming banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.