Green River, WY · Cert 34441 · Sbwy Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.17% | 0.61% | 0.78% | 1.05% | 0.90% | 0.96% | 1.09% | +32 bps | |
| Return on Equity | 0.74% | 1.29% | 5.52% | 7.30% | 10.18% | 8.86% | 10.10% | 11.50% | +419 bps | |
| Net Interest Margin | 3.52% | 3.43% | 4.06% | 3.92% | 3.89% | 3.89% | 4.12% | 4.05% | +13 bps | |
| Efficiency Ratio | 86.50% | 83.78% | 78.08% | 74.30% | 67.67% | 70.44% | 66.49% | 65.49% | -881 bps | |
| Non-Interest Burden | 3.03% | 2.85% | 3.12% | 2.80% | 2.50% | 2.60% | 2.53% | 2.43% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 44.97% | 34.66% | 36.15% | 37.39% | 36.14% | 28.97% | 28.02% | 18.27% | -1,912 bps | |
| Loan Growth (YoY) | 59.43% | 40.62% | 41.60% | 33.72% | 37.28% | 30.09% | 24.52% | 19.69% | -1,403 bps | |
| Deposit Growth (YoY) | 51.04% | 39.39% | 40.55% | 41.28% | 39.97% | 32.19% | 30.88% | 19.98% | -2,130 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.34% | 0.34% | +34 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.17% | 1.22% | 1.18% | 1.21% | 1.16% | 1.21% | 1.28% | 1.35% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 3.8x | 4.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.18% | 11.45% | 10.97% | 10.28% | 9.87% | 9.70% | 9.60% | 9.54% | -74 bps | |
| Total Risk-Based Capital | 12.18% | 11.45% | 10.97% | 10.28% | 9.87% | 9.70% | 9.60% | 9.54% | -74 bps | |
| Equity / Assets | 11.97% | 11.41% | 10.74% | 9.87% | 9.56% | 9.76% | 9.37% | 9.41% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.70% | 96.27% | 96.24% | 89.20% | 90.92% | 94.74% | 91.57% | 88.98% | -22 bps | |
| Liquid Assets / Assets | 8.91% | 8.18% | 8.93% | 9.33% | 9.94% | 9.87% | 10.08% | 10.24% | +91 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 517% | 538% | 491% | n/a | n/a | |