Sheridan, WY · Cert 29537
State savings bank · OCC · 3 branches
Q2 2026
Market Position · Billings, MT · 2026 SOD (annual) · 0.5% share · #12 of 13 inst. · $0.0B of $8.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.19% | 0.41% | 0.45% | 0.52% | 0.35% | 0.58% | 0.78% | +33 bps | |
| Return on Equity | 0.53% | 1.94% | 4.17% | 4.52% | 5.08% | 3.31% | 5.54% | 7.39% | +287 bps | |
| Net Interest Margin | 2.33% | 2.09% | 2.79% | 3.03% | 3.25% | 3.16% | 3.25% | 3.38% | +35 bps | |
| Efficiency Ratio | 97.06% | 86.66% | 80.66% | 78.55% | 77.07% | 85.86% | 69.38% | 71.60% | -695 bps | |
| Non-Interest Burden | 2.25% | 1.75% | 2.20% | 2.31% | 2.45% | 2.66% | 2.11% | 2.30% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.79% | -0.77% | -2.45% | 0.46% | -1.53% | -0.31% | 2.00% | 0.76% | +30 bps | |
| Loan Growth (YoY) | 1.73% | 1.81% | 3.45% | 1.87% | 0.54% | 2.94% | -0.28% | -1.07% | -294 bps | |
| Deposit Growth (YoY) | 8.57% | -0.60% | -3.07% | 0.16% | -2.10% | -1.26% | 1.48% | 1.85% | +169 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.83% | 2.84% | 2.93% | 3.13% | 3.19% | 3.07% | 3.10% | 3.29% | +16 bps | |
| Net Charge-Offs / Loans | 0.22% | -0.04% | 0.14% | 0.05% | 0.46% | 0.05% | 0.58% | 0.20% | +15 bps | |
| Allowance / Loans | 1.29% | 1.35% | 1.38% | 1.41% | 1.36% | 1.34% | 1.35% | 1.37% | -4 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.5x | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.63% | 10.55% | 10.81% | 10.91% | 11.05% | 11.12% | 11.07% | 11.05% | +14 bps | |
| Total Risk-Based Capital | 14.35% | 14.54% | 14.43% | 14.55% | 14.69% | 14.62% | 14.93% | 15.01% | +46 bps | |
| Equity / Assets | 9.83% | 9.74% | 9.86% | 10.01% | 10.45% | 10.58% | 10.34% | 10.68% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.27% | 87.58% | 87.72% | 90.61% | 89.62% | 91.30% | 86.20% | 88.01% | -260 bps | |
| Liquid Assets / Assets | 3.56% | 3.60% | 4.15% | 3.05% | 2.89% | 1.59% | 6.40% | 4.76% | +171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 294% | 295% | 287% | n/a | n/a | |