Riverton, WY · Cert 35220 · Wyoming National Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
6
Asset Quality
50
Profitability
68
Liquidity
81
Efficiency
55
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.
Riverton, WY · Cert 35220 · Wyoming National Bcorp Inc.
State charter, Fed member · FED · 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 | 0.62% | 0.54% | 0.97% | 0.95% | 0.98% | 0.98% | 1.20% | 1.21% | +27 bps | |
| Return on Equity | 8.83% | 7.72% | 14.30% | 13.71% | 13.90% | 13.57% | 15.33% | 15.39% | +168 bps | |
| Net Interest Margin | 3.11% | 3.19% | 3.57% | 3.62% | 3.67% | 3.64% | 3.87% | 3.91% | +29 bps | |
| Efficiency Ratio | 77.90% | 77.55% | 68.17% | 67.56% | 66.29% | 66.38% | 63.05% | 63.10% | -446 bps | |
| Non-Interest Burden | 2.34% | 2.38% | 2.30% | 2.31% | 2.29% | 2.28% | 2.28% | 2.32% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.89% | 6.44% | 6.47% | 4.87% | 7.24% | 8.03% | 4.94% | 6.79% | +192 bps | |
| Loan Growth (YoY) | 3.40% | 9.97% | 15.87% | 12.51% | 9.90% | 13.52% | 11.45% | 12.89% | +38 bps | |
| Deposit Growth (YoY) | 0.98% | 7.88% | 10.54% | 6.65% | 8.90% | 7.92% | 4.75% | 6.09% | -56 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.03% | 0.19% | 0.18% | 0.75% | 0.77% | 0.31% | +12 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.06% | 0.04% | 0.10% | 0.03% | 0.14% | 0.00% | 0.01% | -9 bps | |
| Allowance / Loans | 1.31% | 1.36% | 1.34% | 1.36% | 1.45% | 1.37% | 1.40% | 1.36% | -1 bps | |
| Allowance Coverage of NPLs | 55.3x | n/a | 39.0x | 7.2x | 7.9x | 1.8x | 1.8x | 4.4x | -2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.41% | 9.09% | 9.22% | 9.23% | 9.29% | 9.15% | 9.36% | 9.52% | +28 bps | |
| Total Risk-Based Capital | 9.41% | 9.09% | 9.22% | 9.23% | 9.29% | 9.15% | 9.36% | 9.52% | +28 bps | |
| Equity / Assets | 7.62% | 6.64% | 6.98% | 7.05% | 7.61% | 7.85% | 7.84% | 7.98% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.19% | 67.91% | 65.88% | 67.70% | 67.81% | 71.44% | 70.09% | 72.04% | +434 bps | |
| Liquid Assets / Assets | 6.94% | 6.86% | 6.57% | 6.55% | 6.42% | 6.36% | 6.11% | 5.96% | -59 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 195.88% | 203% | 190.77% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.72% | 1.06% | 1.45% | Beats 60% | 300 / 746 | ||
| Return on Equity | 14.96% | 6.74% | 10.51% | 13.63% | Beats 83% | 128 / 746 | ||
| Net Interest Margin | 3.91% | 3.17% | 3.68% | 4.16% | Beats 61% | 289 / 746 | ||
| Efficiency Ratio | 63.10% | 55.74% | 64.58% | 75.47% | Beats 55% | 340 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.09% | 0.42% | 1.07% | Beats 59% | 307 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 40% | 451 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.52% | 11.55% | 13.75% | 17.60% | Beats 3% | 722 / 746 | ||
| Total Risk-Based Capital Ratio | 9.52% | 11.71% | 14.33% | 18.43% | Beats 3% | 722 / 746 | ||
| Equity / Assets | 7.98% | 8.90% | 10.51% | 13.06% | Beats 13% | 648 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.04% | 61.31% | 78.27% | 90.78% | 38th pctl | 461 / 746 | ||
| Loans / Assets | 64.32% | 53.60% | 66.97% | 76.08% | 43rd pctl | 422 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||