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Wyoming Community Bank

Riverton, WY · Cert 35220 · Wyoming National Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

6

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wyoming Community Bank

Riverton, WY · Cert 35220 · Wyoming National Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$262.4MAssets
$168.8MLoans
$234.3MDeposits
$21.0MEquity
Loan mix
76%RE $109.9M16%C&I $23.4M8%Consumer $11.2MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $174.6M25%Noninterest $59.7MQ2 2025Q2 2026

NIM

4.83%Q2 ’245.24%Q2 ’255.33%Q2 ’26+18%+8%

Non-interest income vs. expense

2.78%Q2 ’242.73%Q2 ’252.71%Q2 ’26-2%+0%

Executive Summary

  • Earnings: ROA of 1.21%, up 27 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.31% of loans (+12 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.52%, up 28 bps from a year ago.
  • Funding: loans stand at 72.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+29 bps YoY

Efficiency Ratio (YTD, annualized)

63.10%-446 bps YoY

Tier 1 Leverage Ratio

9.52%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.98%0.98%1.20%1.21%+27 bps
Return on Equity13.71%13.90%13.57%15.33%15.39%+168 bps
Net Interest Margin3.62%3.67%3.64%3.87%3.91%+29 bps
Efficiency Ratio67.56%66.29%66.38%63.05%63.10%-446 bps
Non-Interest Burden2.31%2.29%2.28%2.28%2.32%+1 bps
Growth
Asset Growth (YoY)4.87%7.24%8.03%4.94%6.79%+192 bps
Loan Growth (YoY)12.51%9.90%13.52%11.45%12.89%+38 bps
Deposit Growth (YoY)6.65%8.90%7.92%4.75%6.09%-56 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.18%0.75%0.77%0.31%+12 bps
Net Charge-Offs / Loans0.10%0.03%0.14%0.00%0.01%-9 bps
Allowance / Loans1.36%1.45%1.37%1.40%1.36%-1 bps
Allowance Coverage of NPLs7.2x7.9x1.8x1.8x4.4x-2.8x
Capital
Tier 1 Leverage Ratio9.23%9.29%9.15%9.36%9.52%+28 bps
Total Risk-Based Capital9.23%9.29%9.15%9.36%9.52%+28 bps
Equity / Assets7.05%7.61%7.85%7.84%7.98%+93 bps
Liquidity & Funding
Loans / Deposits67.70%67.81%71.44%70.09%72.04%+434 bps
Liquid Assets / Assets6.55%6.42%6.36%6.11%5.96%-59 bps
CRE / Total Capitaln/a195.88%203%190.77%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wyoming Community Bank

Riverton, WY · Cert 35220 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Wyoming National Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$262.4MAssets
$168.8MLoans
$234.3MDeposits
$21.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 83% of banks under $1B in assets operating in a single state (rank 128 of 746).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets operating in a single state (rank 722 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.19%

Rank 300 of 746

Net Interest Margin

3.91%

Rank 289 of 746

Efficiency Ratio

63.10%

Rank 340 of 746

Equity / Assets

7.98%

Rank 648 of 746

Non-interest income vs. expense

$1.0M$7.2MINCOMEEXPENSE
Unfavorable gap of $6.1M · efficiency ratio beats 55% of banks under $1B in assets operating in a single state
Bank 63.10%Peer median 64.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%0.72%1.06%1.45%Beats 60%300 / 746
Return on Equity14.96%6.74%10.51%13.63%Beats 83%128 / 746
Net Interest Margin3.91%3.17%3.68%4.16%Beats 61%289 / 746
Efficiency Ratio63.10%55.74%64.58%75.47%Beats 55%340 / 746
Asset Quality
Nonperforming Loans / Loans0.31%0.09%0.42%1.07%Beats 59%307 / 743
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 40%451 / 743
Capital
Tier 1 Capital Ratio9.52%11.55%13.75%17.60%Beats 3%722 / 746
Total Risk-Based Capital Ratio9.52%11.71%14.33%18.43%Beats 3%722 / 746
Equity / Assets7.98%8.90%10.51%13.06%Beats 13%648 / 746
Liquidity & Funding
Loans / Deposits72.04%61.31%78.27%90.78%38th pctl461 / 746
Loans / Assets64.32%53.60%66.97%76.08%43rd pctl422 / 746
Brokered Deposits / Depositsn/aNot reported for this institution