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Bank of Star Valley, The

Afton, WY · Cert 34148 · Star Valley Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

63

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

95

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Star Valley, The

Afton, WY · Cert 34148 · Star Valley Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$420.0MAssets
$229.4MLoans
$368.9MDeposits
$43.6MEquity
Loan mix
76%RE $175.7M14%C&I $32.5M10%Consumer $23.2MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $262.0M29%Noninterest $107.0MQ2 2025Q2 2026

NIM

4.92%Q2 ’245.53%Q2 ’255.56%Q2 ’26+26%+3%

Non-interest income vs. expense

1.70%Q2 ’241.85%Q2 ’251.84%Q2 ’26+11%-4%

Executive Summary

  • Earnings: ROA of 2.17%, up 35 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.09% of loans (-16 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.81%, down 5 bps from a year ago.
  • Funding: loans stand at 62.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.17%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.09%+14 bps YoY

Efficiency Ratio (YTD, annualized)

41.42%-214 bps YoY

Tier 1 Leverage Ratio

10.81%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.89%1.92%2.42%2.17%+35 bps
Return on Equity17.51%18.05%18.36%23.12%20.78%+327 bps
Net Interest Margin3.95%4.08%4.09%4.14%4.09%+14 bps
Efficiency Ratio43.56%42.99%42.46%42.04%41.42%-214 bps
Non-Interest Burden1.56%1.58%1.55%1.54%1.49%-6 bps
Growth
Asset Growth (YoY)2.76%-3.33%1.18%0.22%4.63%+187 bps
Loan Growth (YoY)7.87%4.32%5.87%6.80%3.77%-410 bps
Deposit Growth (YoY)5.89%-2.70%3.13%2.58%4.99%-90 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.17%0.18%0.13%0.09%-16 bps
Net Charge-Offs / Loans0.06%0.07%0.05%0.06%0.03%-4 bps
Allowance / Loans1.35%1.36%1.46%1.23%1.35%0 bps
Allowance Coverage of NPLs5.4x7.8x8.2x9.2x15.3x+9.9x
Capital
Tier 1 Leverage Ratio10.86%10.90%10.39%10.76%10.81%-5 bps
Total Risk-Based Capital19.56%18.50%17.81%18.15%18.79%-77 bps
Equity / Assets10.24%10.83%10.44%10.50%10.39%+15 bps
Liquidity & Funding
Loans / Deposits62.90%65.96%65.70%66.08%62.17%-73 bps
Liquid Assets / Assets7.06%7.11%7.04%6.89%6.53%-52 bps
CRE / Total Capitaln/a184.14%187.68%177.72%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Star Valley, The

Afton, WY · Cert 34148 · Peer group: banks under $1B in assets (n=581-629) · Star Valley Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$420.0MAssets
$229.4MLoans
$368.9MDeposits
$43.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets (rank 30 of 629).
  • Widest gap: net charge-offs / loans trails 56% of banks under $1B in assets (rank 324 of 581).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.11%

Rank 68 of 629

Net Interest Margin

4.09%

Rank 149 of 629

Efficiency Ratio

41.42%

Rank 30 of 629

Equity / Assets

10.39%

Rank 344 of 629

Non-interest income vs. expense

$1.4M$7.6MINCOMEEXPENSE
Unfavorable gap of $6.2M · efficiency ratio beats 95% of banks under $1B in assets
Bank 41.42%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.11%0.60%1.01%1.45%Beats 89%68 / 629
Return on Equity20.33%5.38%9.30%13.28%Beats 94%39 / 629
Net Interest Margin4.09%3.03%3.54%4.05%Beats 76%149 / 629
Efficiency Ratio41.42%58.35%67.79%79.08%Beats 95%30 / 629
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.46%1.20%Beats 75%145 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 44%324 / 581
Capital
Tier 1 Capital Ratio17.57%11.24%13.84%18.77%Beats 72%177 / 629
Total Risk-Based Capital Ratio18.79%11.58%14.43%19.66%Beats 73%170 / 629
Equity / Assets10.39%9.09%10.65%13.80%Beats 45%344 / 629
Liquidity & Funding
Loans / Deposits62.17%67.24%80.90%93.48%21st pctl471 / 594
Loans / Assets54.61%53.31%67.71%78.15%27th pctl462 / 629
Brokered Deposits / Depositsn/aNot reported for this institution