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Sundance State Bank

Sundance, WY · Cert 1169 · Sundance Bankshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$290.9MAssets
$190.5MLoans
$255.2MDeposits
$30.8MEquity
Loan mix
77%RE $114.6M17%C&I $25.7M5%Consumer $7.9MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $205.7M19%Noninterest $49.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.71%, up 6 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.56% of loans (-39 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 11.90%, down 6 bps from a year ago.
  • Funding: loans stand at 74.65% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.71%+6 bps YoY

Net Interest Margin (quarter, annualized)

4.15%+44 bps YoY

Efficiency Ratio (quarter, annualized)

46.27%+52 bps YoY

Tier 1 Leverage Ratio

11.90%-6 bps YoY

NIM

5.36%Q2 ’245.53%Q2 ’255.71%Q2 ’26+11%+12%

Non-interest income vs. expense

1.87%Q2 ’241.82%Q2 ’252.06%Q2 ’26-4%+13%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.07%1.46%1.65%1.49%0.14%1.68%1.71%+6 bps
Return on Equity12.40%11.05%15.69%16.64%14.32%1.36%16.57%16.16%-49 bps
Net Interest Margin3.36%3.30%3.36%3.71%3.75%3.68%3.82%4.15%+44 bps
Efficiency Ratio55.29%62.64%47.36%45.75%51.18%94.10%47.19%46.27%+52 bps
Non-Interest Burden1.73%1.97%1.47%1.55%1.77%3.44%1.66%1.76%+21 bps
Growth
Asset Growth (YoY)5.08%9.70%5.44%16.73%8.67%1.74%6.08%-0.27%-1,699 bps
Loan Growth (YoY)1.21%2.32%8.50%5.76%5.92%8.79%10.72%13.46%+770 bps
Deposit Growth (YoY)2.88%10.13%6.55%19.85%10.75%2.09%7.40%0.33%-1,952 bps
Asset Quality
Nonperforming Loans / Loans0.87%0.94%1.20%0.95%0.99%0.99%0.75%0.56%-39 bps
Net Charge-Offs / Loans-0.19%0.20%-0.17%0.00%-0.05%0.23%-0.02%0.21%+21 bps
Allowance / Loans1.93%1.95%1.80%1.69%1.75%1.73%1.59%1.50%-19 bps
Allowance Coverage of NPLs2.2x2.1x1.5x1.8x1.8x1.7x2.1x2.7x+0.9x
Capital
Tier 1 Leverage Ratio12.38%11.13%11.42%11.96%12.29%10.63%11.24%11.90%-6 bps
Total Risk-Based Capital17.71%17.05%17.28%16.96%17.84%16.81%16.64%16.32%-63 bps
Equity / Assets10.89%8.64%10.10%9.76%11.13%9.68%10.57%10.60%+84 bps
Liquidity & Funding
Loans / Deposits74.13%58.48%69.30%66.01%70.89%62.32%71.44%74.65%+864 bps
Liquid Assets / Assets6.94%23.56%11.50%16.03%8.69%14.16%4.47%4.17%-1,186 bps
CRE / Total Capitaln/an/an/an/a145.65%159.65%161.16%n/an/a