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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

$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

5.15%Q2 ’245.72%Q2 ’255.65%Q2 ’26+24%+0%

Non-interest income vs. expense

1.74%Q2 ’241.85%Q2 ’251.84%Q2 ’26+20%-5%

Executive Summary

  • Earnings: ROA of 1.94%, down 4 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.09% of loans (-16 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.94%-4 bps YoY

Net Interest Margin (quarter, annualized)

4.15%+1 bps YoY

Efficiency Ratio (quarter, annualized)

40.83%-100 bps YoY

Tier 1 Leverage Ratio

10.81%-5 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.98%2.04%2.01%2.42%1.94%-4 bps
Return on Equity18.95%19.35%18.86%23.12%18.57%-39 bps
Net Interest Margin4.13%4.32%4.30%4.14%4.15%+1 bps
Efficiency Ratio41.82%41.95%41.01%42.04%40.83%-100 bps
Non-Interest Burden1.56%1.61%1.54%1.54%1.48%-8 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 / Loans0.01%0.07%0.00%0.06%-0.01%-2 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