Afton, WY · Cert 34148 · Star Valley Bancshares 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 | 1.54% | 1.86% | 1.65% | 1.98% | 2.04% | 2.01% | 2.42% | 1.94% | -4 bps | |
| Return on Equity | 15.35% | 18.15% | 15.82% | 18.95% | 19.35% | 18.86% | 23.12% | 18.57% | -39 bps | |
| Net Interest Margin | 3.46% | 3.63% | 3.79% | 4.13% | 4.32% | 4.30% | 4.14% | 4.15% | +1 bps | |
| Efficiency Ratio | 43.06% | 43.87% | 45.45% | 41.82% | 41.95% | 41.01% | 42.04% | 40.83% | -100 bps | |
| Non-Interest Burden | 1.29% | 1.37% | 1.56% | 1.56% | 1.61% | 1.54% | 1.54% | 1.48% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.92% | -1.67% | 5.93% | 2.76% | -3.33% | 1.18% | 0.22% | 4.63% | +187 bps | |
| Loan Growth (YoY) | 6.71% | 8.33% | 10.25% | 7.87% | 4.32% | 5.87% | 6.80% | 3.77% | -410 bps | |
| Deposit Growth (YoY) | 7.18% | -2.51% | 5.76% | 5.89% | -2.70% | 3.13% | 2.58% | 4.99% | -90 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.05% | 0.25% | 0.17% | 0.18% | 0.13% | 0.09% | -16 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.08% | 0.11% | 0.01% | 0.07% | 0.00% | 0.06% | -0.01% | -2 bps | |
| Allowance / Loans | 1.38% | 1.33% | 1.35% | 1.35% | 1.36% | 1.46% | 1.23% | 1.35% | 0 bps | |
| Allowance Coverage of NPLs | 125.0x | 170.2x | 25.1x | 5.4x | 7.8x | 8.2x | 9.2x | 15.3x | +9.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.80% | 10.91% | 11.29% | 10.86% | 10.90% | 10.39% | 10.76% | 10.81% | -5 bps | |
| Total Risk-Based Capital | 19.04% | 19.26% | 18.86% | 19.56% | 18.50% | 17.81% | 18.15% | 18.79% | -77 bps | |
| Equity / Assets | 10.20% | 10.27% | 10.62% | 10.24% | 10.83% | 10.44% | 10.50% | 10.39% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.52% | 64.00% | 63.48% | 62.90% | 65.96% | 65.70% | 66.08% | 62.17% | -73 bps | |
| Liquid Assets / Assets | 9.17% | 9.54% | 8.42% | 7.06% | 7.11% | 7.04% | 6.89% | 6.53% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 184.14% | 187.68% | 177.72% | n/a | n/a | |