Pine Bluffs, WY · Cert 526 · Commercial Bcorp
State charter, Fed member · FED · 1 branch
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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
77
Asset Quality
100
Profitability
60
Liquidity
14
Efficiency
43
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.
Pine Bluffs, WY · Cert 526 · Commercial Bcorp
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Cheyenne, WY · 2026 SOD (annual) · 1.0% share · #16 of 19 inst. · $0.0B of $3.2B
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 | 1.27% | 1.32% | 1.38% | 1.47% | 1.48% | 1.61% | 0.81% | 1.10% | -37 bps | |
| Return on Equity | 12.20% | 12.50% | 12.36% | 13.25% | 13.16% | 14.12% | 7.11% | 9.60% | -365 bps | |
| Net Interest Margin | 4.51% | 4.45% | 4.46% | 4.55% | 4.49% | 4.39% | 4.05% | 4.09% | -46 bps | |
| Efficiency Ratio | 66.11% | 65.21% | 66.32% | 63.98% | 63.92% | 61.61% | 75.73% | 70.34% | +636 bps | |
| Non-Interest Burden | 2.90% | 2.82% | 2.89% | 2.80% | 2.73% | 2.52% | 3.00% | 2.82% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.20% | -2.55% | 7.87% | 10.84% | 3.86% | 9.01% | 14.01% | 9.00% | -184 bps | |
| Loan Growth (YoY) | 5.87% | 6.54% | 2.61% | 2.09% | -1.17% | -3.48% | -7.37% | 5.17% | +308 bps | |
| Deposit Growth (YoY) | 4.87% | -4.61% | 6.86% | 10.25% | 2.18% | 7.99% | 13.57% | 9.10% | -115 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.22% | 1.21% | 1.22% | 1.27% | 1.24% | 1.25% | 1.32% | 1.21% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 10.84% | 10.35% | 10.82% | 11.02% | 11.28% | 11.22% | 10.85% | +4 bps | |
| Total Risk-Based Capital | 24.57% | 24.92% | 26.08% | 27.35% | 27.25% | 28.21% | 30.73% | 29.00% | +165 bps | |
| Equity / Assets | 10.69% | 11.29% | 11.08% | 11.00% | 11.74% | 11.92% | 11.03% | 11.40% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.80% | 63.22% | 59.50% | 54.95% | 58.80% | 56.50% | 48.53% | 52.97% | -198 bps | |
| Liquid Assets / Assets | 40.08% | 38.25% | 42.79% | 47.26% | 43.97% | 44.29% | 53.24% | 48.67% | +141 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 154.85% | 149.44% | 147.63% | n/a | n/a | |
Pine Bluffs, WY · Cert 526 · Peer group: banks under $1B in assets (n=581-629) · Commercial Bcorp
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets
1.07%
Rank 294 of 629
Net Interest Margin
4.09%
Rank 146 of 629
Efficiency Ratio
70.34%
Rank 359 of 629
Equity / Assets
11.40%
Rank 262 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.07% | 0.60% | 1.01% | 1.45% | Beats 53% | 294 / 629 | ||
| Return on Equity | 9.36% | 5.38% | 9.30% | 13.28% | Beats 50% | 314 / 629 | ||
| Net Interest Margin | 4.09% | 3.03% | 3.54% | 4.05% | Beats 77% | 146 / 629 | ||
| Efficiency Ratio | 70.34% | 58.35% | 67.79% | 79.08% | Beats 43% | 359 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.75% | 11.24% | 13.84% | 18.77% | Beats 86% | 90 / 629 | ||
| Total Risk-Based Capital Ratio | 29.00% | 11.58% | 14.43% | 19.66% | Beats 86% | 87 / 629 | ||
| Equity / Assets | 11.40% | 9.09% | 10.65% | 13.80% | Beats 58% | 262 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.97% | 67.24% | 80.90% | 93.48% | 12th pctl | 521 / 594 | ||
| Loans / Assets | 46.63% | 53.31% | 67.71% | 78.15% | 18th pctl | 516 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||