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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Wyoming, the state note

Platte Valley Bank

Torrington, Wyoming · $809M in assets · beside the 8 other Wyoming banks between $300M and $1B

The filing

97.2%
Loans / deposits
9th of 9
50.8%
Efficiency
2nd of 9
20.7%
CRE / loans
3rd of 9

Platte Valley Bank is the second largest of the 9 Wyoming banks between $300M and $1B, with $809M in assets at 30 June 2026. Loans are 97.2% of deposits, the highest in the cohort against a median of 68.6%, and equity is 9.6% of assets, 5th of 9. Loans grew +2.6% in the year, 7th of 9, and deposits grew 6.9%; the cohort's median loan growth is +3.8%.

Noncurrent loans are 0.40% of the book, 4th of 9 against a median of 0.54%; 0.55% is 30 to 89 days past due, and the allowance covers them 4.9 times. Net charge-offs are 0.31% of loans, 8th of 9. Commercial real estate is 20.7% of loans, 3rd of 9 against a median of 21.9%, and 178% of capital, below the 300% screen, with construction at 51% against the 100% screen. CRE has grown +68.0% over 36 months, past the guidance's 50% prong.

Return on assets is 1.94%, 3rd of 9 against a median of 1.15%, on an efficiency ratio of 50.8%, 2nd of 9. Five years ago it was 2.51%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsWY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 68.6% FN First National Bank of Gillette 28.8% RB RSNB Bank 43.2% BH Big Horn FSB 54.1% Bo Bank of Star Valley 62.2% SS Security State Bank 68.6% FN First Northern Bank of Wyoming 74.4% JB Jonah Bank of Wyoming 77.8% FF First Federal Bank & Trust 88.0% PV Platte Valley Bank 97.2%
Loans, year over yearWY banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +3.8% FN First Northern Bank of Wyoming +21.9% SS Security State Bank +15.5% JB Jonah Bank of Wyoming +11.3% BH Big Horn FSB +11.3% Bo Bank of Star Valley +3.8% RB RSNB Bank +2.9% PV Platte Valley Bank +2.6% FN First National Bank of Gillette +0.6% FF First Federal Bank & Trust -1.1%

SBA 7(a), FY2008 to FY2026

Platte Valley Bank is the 13th largest 7(a) lender into Wyoming of 160, with $12M across 106 loans, 1.5% of everything approved in the state (Live Oak Banking Company leads with $60M). 6 of its 10 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Wyoming, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Laramie, WY$7M7th of 644.8%-4.9 pts
Goshen, WY$2M3rd of 814.8%thin
Platte, WY$2M3rd of 720.0%quiet FY2012
Natrona, WY$889K18th of 451.3%-3.7 pts
Weld, CO$753K76th of 1060.1%quiet FY2022
Scotts Bluff, NE$326K15th of 210.9%quiet FY2010
Albany, WY$315K23rd of 290.7%quiet FY2018
Converse, WY$120K10th of 130.8%+66.3 pts
Larimer, CO$115K122nd of 1330.0%quiet FY2010
Sublette, WY$41K13th of 130.4%quiet FY2013
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade12$3M19.4%0.00%1043rd of 2,589
Transportation & warehousing20$2M17.2%0.02%514th of 1,563
Administrative & waste services23$2M11.6%0.01%651st of 1,763
Other services10$1M10.5%0.00%1031st of 2,248
Manufacturing7$1M7.9%0.00%1354th of 2,246
7(a) lenders into Wyoming, share of approvals since FY2008160 lenders on record; the ten largest and Platte Valley Bank
LO Live Oak Banking Company 7.7% $60M · 46 loans WF Wells Fargo Bank National Associa… 7.1% $55M · 236 loans Bo Bank of Bridger National Associat… 5.1% $40M · 203 loans FI First Interstate Bank 4.6% $36M · 137 loans FN First Northern Bank of Wyoming 4.0% $32M · 87 loans GB Glacier Bank 3.8% $30M · 73 loans UB U.S. Bank, National Association 3.4% $27M · 107 loans CB Celtic Bank Corporation 3.4% $26M · 32 loans CB Community Banks of Colorado, A Di… 3.1% $24M · 26 loans NB Newtek Bank, National Association 2.0% $16M · 43 loans PV Platte Valley Bank 1.5% $12M · 106 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, Platte Valley Bank among them; owner-occupied excluded; bold marks a screen met
Platte Valley BankRankCohort median
Total CRE against capital, the 300% screen178%7th of 9152%
Construction against capital, the 100% screen51%6th of 945%
Construction and land development, share of loans5.9%2nd of 97.3%
Non-owner-occupied nonfarm nonresidential, share of loans13.2%6th of 912.2%
Total CRE, the guidance definition, share of loans20.7%3rd of 921.9%
CRE growth over 36 months, the third prong+68.0%8th of 9+27.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Northern Bank of Wyoming$983M1.2%72.6%0.54%0.06%1.1%74.4%7.0%
Platte Valley Bank$809M1.9%50.8%0.40%0.31%2.0%97.2%9.6%
First National Bank of Gillette$652M1.5%52.0%0.72%-0.03%1.6%28.8%12.2%
First Federal Bank & Trust$621M0.7%70.5%3.29%0.39%1.4%88.0%10.7%
Jonah Bank of Wyoming$563M2.0%51.1%0.00%0.00%1.7%77.8%9.0%
Security State Bank$449M0.5%78.2%0.22%0.02%1.3%68.6%8.6%
Bank of Star Valley$420M2.7%41.4%0.09%0.03%1.4%62.2%10.4%
Big Horn FSB$400M1.0%66.4%0.70%0.05%1.3%54.1%11.2%
RSNB Bank$381M1.1%67.1%2.37%-0.01%1.0%43.2%6.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Platte Valley BankCohort median
20212026Change20212026Change
Loans$416M$674M+62%$195M$261M+34%
Deposits$470M$693M+48%$366M$508M+39%
NPA / loans0.44%0.40%-0.04 pts0.82%0.54%-0.28 pts
Efficiency46.1%50.8%+4.7 pts58.1%66.4%+8.3 pts
ROA2.51%1.94%-0.57 pts1.71%1.15%-0.56 pts

This read was prepared for Platte Valley Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Platte Valley Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort WY banks $300M to $1B
Institution www.pvbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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