State Bank
Green River, WY · Cert 34441 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Sbwy Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
$115.4MAssets
$92.5MLoans
$104.0MDeposits
$10.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets operating in a single state (rank 720 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.05%
Rank 381 of 746
Net Interest Margin
4.05%
Rank 230 of 746
Efficiency Ratio
65.49%
Rank 393 of 746
Equity / Assets
9.41%
Rank 506 of 746
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 47% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.72% | 1.06% | 1.45% | Beats 49% | 381 / 746 | | |
| Return on Equity | 11.16% | 6.74% | 10.51% | 13.63% | Beats 57% | 324 / 746 | | |
| Net Interest Margin | 4.05% | 3.17% | 3.68% | 4.16% | Beats 69% | 230 / 746 | | |
| Efficiency Ratio | 65.49% | 55.74% | 64.58% | 75.47% | Beats 47% | 393 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.09% | 0.42% | 1.07% | Beats 57% | 321 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.54% | 11.55% | 13.75% | 17.60% | Beats 3% | 720 / 746 | | |
| Total Risk-Based Capital Ratio | 9.54% | 11.71% | 14.33% | 18.43% | Beats 3% | 720 / 746 | | |
| Equity / Assets | 9.41% | 8.90% | 10.51% | 13.06% | Beats 32% | 506 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.98% | 61.31% | 78.27% | 90.78% | 71st pctl | 213 / 746 | | |
| Loans / Assets | 80.18% | 53.60% | 66.97% | 76.08% | 86th pctl | 106 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |