# PLATTE VALLEY BANK
TORRINGTON, WY · FDIC certificate 5442 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $809.2M | |
| Deposits | $693.0M | |
| Loans and leases | $673.9M | |
| Total equity | $77.6M | |
| Loans / deposits | 95.34% (p82 of band) | 82.04% |
| Liquid assets / assets | 14.65% (p16 of band) | |
| Uninsured deposits / deposits | 24.38% (p44 of band) | 25.97% |
| Brokered deposits | 4.32% | |
| Wholesale funding | 8.03% (p70 of band) | |
| FHLB advances / assets | 3.71% | |
| Tier 1 leverage | 9.73% (p28 of band) | 10.81% |
| Unrealized securities loss / equity | -4.32% (p66 of band) | -8.10% |
| AOCI / equity | -0.19% (p59 of band) | |
| ROA (annualized) | 1.95% (p86 of band) | 1.28% |
| Net interest margin | 5.37% (p97 of band) | 3.91% |
| Efficiency ratio | 50.83% (p20 of band) | |
| Noncurrent loans | 0.40% (p49 of band) | 0.43% |
| Net charge-offs (annualized) | 0.26% (p93 of band) | |
| Reserve coverage of noncurrent | 485.97% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 51.53% (p57 of band) | |
| Auto loans | $19.7M (2.92% of loans; DQ 1.41%, NCO 0.01%) | |
| Loans to nondepository financials | $2.0M (3% of equity) (p92 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 96 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | liquid assets <10% |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 | liquid assets <10% | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | charge-offs p90 | capital falling |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 2 | liquid assets <10% |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 4 | loans exceed deposits |  |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 | capital falling | liquid assets <10%, loans exceed deposits |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | loans exceed deposits |
| 2019-06 | 1 |  | liquid assets <10% |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2020-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | noncurrent p90 |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 | capital falling | noncurrent p90 |
| 2023-03 | 2 | loans exceed deposits | capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | loans exceed deposits |
| 2023-12 | 2 | loans exceed deposits |  |
| 2024-03 | 2 | capital falling | loans exceed deposits |
| 2024-06 | 2 | loans exceed deposits | capital falling |
| 2024-09 | 1 |  | loans exceed deposits |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-17 [Platte Valley Bank Expands with Potter State Bank Merger, Insurance Services Grow Across Region - K2 Radio](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5aOFlaUFhsV2ozUTNhSnlWdFR5bGFwR2ctLU1fZmt3X2pSSmJWNVRjdHVwejlaTE9uMXBfWkJ5Q25ZMHUtMXVKQ1hlWFBlSGV2QWd0Tjd2SDhPQQ?oc=5) · K2 Radio
- 2026-03-11 [Murphy promoted to President of Platte Valley Bank - Platte County Record-Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxOVG96Sk13VEFzQ1dfUFB6dWFvd3l0VEljWS13T1BnTVczQlZWSW81WWpNN1lhbnAwRFJzNC02TTRnclJXQjUyZHRVdTRrNzlwV0RCWHprN0JSZDJvRlB5MF9JZkstQlctc2xmeXNHS3BQRlppRFFOOWZtTWtabmYtMExjWnp0V2lBNzBHS2lfb0E2cG5odHplMjZOZw?oc=5) · Platte County Record-Times
- 2025-12-22 [Platte Valley Bank and J.G. Elliott Insurance Center Announce Merger with Potter State Bank, Enevoldsen Insurance Agency, and Kimball Insurance - GoCoNow](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPTnZOYmlyQ1JpUFJpTlFWVjl3dzItTXZQRHJQWVJCVS1VOVZLeDJqd0NqWFhGQ1VSWjdHM1Q4N21GeklFeWJzOTBiRXpaaDZVSHB3aHRCc1NiQldDWWg3d2pUQmZQUUE0N3VXR3hjZUxpYU1DeUdDRVJlNU5QQjBTVGhwUkVmUDVOWWQ3UkNQYTM0QlZaWmNFYTB6b0tCX0twVXQwTjZyc3FnUzRSb3g3bGE4V1owNnZydlVjQ2JGRl9Gbk4wenhhOFRJTzNTcjQ0X0ZRN2NFZFZCZnQzQ0xLR2dCVDVobE1PTEpsQ01NanhQMlU?oc=5) · GoCoNow
- 2021-03-09 [Meet the Directors: Zac Karpf - Kansas City Fed](https://news.google.com/rss/articles/CBMickFVX3lxTE5LdnFTdndHVlY5bDNRaWFiM1pUSzNueWZ3T2pjTHQzXzd0aURDdHJnN0xNYXdXU1NIWVc3R0dCM3lWWndRWkFmMHl4RWIwUEJFRl9jNHQ4R1N2c2I5VVVCV1Vvb3JVTGR4Rk9NLXQ0NjBhUQ?oc=5) · Kansas City Fed
- 2026-03-16 [Merger of Platte Valley, Enevoldsen Mgt. Companies completed - Rural Radio Network](https://news.google.com/rss/articles/CBMimwFBVV95cUxQeEtzTUhxc0p6MTBqUFgzZlh0V01SX0lsd3Jjb2c1ZGZlSmhXaDJVaVNjVmVSemdXc2RvSWZIM3R2bEJ6b0lhUjVBb0hJV2VBWGRJbUhtSnJabFRxWl81OHR3OUlHWHNDZlJSNzFYbHh3eWdJdnBGVEgyemZzSGxhR3RLNExwZ2psOEpBOUpuYTA4aXZSbW9GUTdzUQ?oc=5) · Rural Radio Network
- 2025-08-19 [Obituary for LAWRENCE ROBERT "BOB" NORRIS - Gorman Funeral Homes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE0ybTZ1NzFoVTc3ZDFCdXdfRzl0dUt5UUFuREI5a0tCTDI2S09xX0dHWTF5UG1Db3dhV1hUVmRrTHQtNG5jckgyLUNrcGUwRUV2TW5SRk91R0hwWGZZUFE?oc=5) · Gorman Funeral Homes
- 2026-05-05 [Chadron Platte Valley Bank Post 12 Schedules - chadronradio.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE42SldPMDlrR0FYdG4zTEJUNUZSZkJHdmNUa1Ixc2lhcjhsUzFnNnNoaFlLVWNLemhudGpwNElrczRsQllrdE03dnJXanFYN19hcDVza19teGJzakJTR1NMYUs5YVJOeFlrcUtoOW4telRNTFVueVRaNkln?oc=5) · chadronradio.com
- 2024-04-08 [Platte Valley Companies announces new building project - Rural Radio Network](https://news.google.com/rss/articles/CBMikgFBVV95cUxOUGJOUUZZaFhuZTA3M0xOaS1jUUsyYUc5ZVpKb0M5NVlTWmRRX3I1YzBYVWlBdDhwZlJoMG9sM1lUdlhaUzRncExOTzJuUHQ0UzBUamJ2azBKTk9RVXoyU05wN3ZhSWI1clY5dEYyeDBiOGZNU2hsMzJmaXo3Q09yaTJ4bjZsOFBvaTRKa2RabDFzQQ?oc=5) · Rural Radio Network

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5442 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "5442", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide