Green River, WY · Cert 34441 · Sbwy Financial Corp.
State charter, non-member · FDIC · 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 1.53% | 0.49% | 0.96% | 1.21% | +28 bps | |
| Return on Equity | 9.07% | 15.75% | 5.09% | 10.10% | 12.88% | +381 bps | |
| Net Interest Margin | 4.12% | 4.44% | 4.36% | 4.12% | 4.13% | +1 bps | |
| Efficiency Ratio | 71.20% | 56.88% | 77.22% | 66.49% | 64.55% | -665 bps | |
| Non-Interest Burden | 2.74% | 2.31% | 3.20% | 2.53% | 2.42% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 37.39% | 36.14% | 28.97% | 28.02% | 18.27% | -1,912 bps | |
| Loan Growth (YoY) | 33.72% | 37.28% | 30.09% | 24.52% | 19.69% | -1,403 bps | |
| Deposit Growth (YoY) | 41.28% | 39.97% | 32.19% | 30.88% | 19.98% | -2,130 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.34% | 0.34% | +34 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.21% | 1.16% | 1.21% | 1.28% | 1.35% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 3.8x | 4.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.28% | 9.87% | 9.70% | 9.60% | 9.54% | -74 bps | |
| Total Risk-Based Capital | 10.28% | 9.87% | 9.70% | 9.60% | 9.54% | -74 bps | |
| Equity / Assets | 9.87% | 9.56% | 9.76% | 9.37% | 9.41% | -46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.20% | 90.92% | 94.74% | 91.57% | 88.98% | -22 bps | |
| Liquid Assets / Assets | 9.33% | 9.94% | 9.87% | 10.08% | 10.24% | +91 bps | |
| CRE / Total Capital | n/a | 517% | 538% | 491% | n/a | n/a | |