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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

4.94%Q2 ’245.37%Q2 ’255.39%Q2 ’26+20%+6%

Non-interest income vs. expense

2.81%Q2 ’242.80%Q2 ’252.73%Q2 ’26-2%+1%

Executive Summary

  • Earnings: ROA of 1.23%, up 32 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.31% of loans (+12 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

1.23%+32 bps YoY

Net Interest Margin (quarter, annualized)

3.97%+23 bps YoY

Efficiency Ratio (quarter, annualized)

63.15%-384 bps YoY

Tier 1 Leverage Ratio

9.52%+28 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.06%0.96%1.20%1.23%+32 bps
Return on Equity13.01%14.48%12.46%15.33%15.54%+253 bps
Net Interest Margin3.73%3.88%3.93%3.87%3.97%+23 bps
Efficiency Ratio66.99%63.96%66.63%63.05%63.15%-384 bps
Non-Interest Burden2.35%2.32%2.48%2.28%2.37%+2 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 / Loans0.16%-0.09%0.44%0.00%0.02%-14 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