Buffalo, WY · Cert 29696 · Crazy Woman Creek Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
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 | 1.00% | 1.04% | 0.79% | 1.01% | 1.22% | 1.25% | 1.33% | 1.28% | +28 bps | |
| Return on Equity | 12.44% | 13.16% | 10.30% | 12.59% | 14.58% | 14.88% | 15.90% | 14.69% | +210 bps | |
| Net Interest Margin | 3.60% | 3.56% | 3.52% | 3.84% | 4.10% | 3.97% | 3.98% | 4.05% | +22 bps | |
| Efficiency Ratio | 69.67% | 69.09% | 73.58% | 66.52% | 69.07% | 66.41% | 63.86% | 65.80% | -72 bps | |
| Non-Interest Burden | 2.37% | 2.30% | 2.46% | 2.37% | 2.62% | 2.44% | 2.35% | 2.48% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.34% | 1.12% | 7.84% | 6.55% | 3.69% | 7.62% | 4.58% | 3.49% | -306 bps | |
| Loan Growth (YoY) | -3.65% | -1.55% | 2.53% | 6.52% | 7.29% | 5.74% | 4.56% | 3.71% | -281 bps | |
| Deposit Growth (YoY) | 1.51% | 1.78% | 9.22% | 6.30% | 1.92% | 4.87% | 4.59% | 3.47% | -283 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 0.66% | 1.21% | 0.58% | 0.48% | 0.70% | 0.47% | 0.67% | +9 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | -0.01% | 0.09% | -0.01% | 0.02% | -0.01% | 0.00% | -9 bps | |
| Allowance / Loans | 1.86% | 1.85% | 1.86% | 1.82% | 1.83% | 1.85% | 1.84% | 1.76% | -7 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.8x | 1.5x | 3.1x | 3.8x | 2.6x | 3.9x | 2.6x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.15% | 9.65% | 9.68% | 9.88% | 10.02% | 9.96% | 9.93% | 10.38% | +50 bps | |
| Total Risk-Based Capital | 10.15% | 9.65% | 10.82% | 9.88% | 10.02% | 9.96% | 9.93% | 10.38% | +50 bps | |
| Equity / Assets | 8.29% | 7.58% | 7.74% | 8.26% | 8.50% | 8.27% | 8.45% | 9.05% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.34% | 81.25% | 79.53% | 86.92% | 88.78% | 81.92% | 79.50% | 87.12% | +20 bps | |
| Liquid Assets / Assets | 0.02% | 0.03% | 0.05% | 0.02% | 0.02% | 0.03% | 0.12% | 0.09% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 297% | 291% | 278% | n/a | n/a | |