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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.47% | 1.48% | 1.61% | 0.81% | 1.10% | -37 bps | |
| Return on Equity | 13.25% | 13.16% | 14.12% | 7.11% | 9.60% | -365 bps | |
| Net Interest Margin | 4.55% | 4.49% | 4.39% | 4.05% | 4.09% | -46 bps | |
| Efficiency Ratio | 63.98% | 63.92% | 61.61% | 75.73% | 70.34% | +636 bps | |
| Non-Interest Burden | 2.80% | 2.73% | 2.52% | 3.00% | 2.82% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.84% | 3.86% | 9.01% | 14.01% | 9.00% | -184 bps | |
| Loan Growth (YoY) | 2.09% | -1.17% | -3.48% | -7.37% | 5.17% | +308 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.82% | 11.02% | 11.28% | 11.22% | 10.85% | +4 bps | |
| Total Risk-Based Capital | 27.35% | 27.25% | 28.21% | 30.73% | 29.00% | +165 bps | |
| Equity / Assets | 11.00% | 11.74% | 11.92% | 11.03% | 11.40% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.95% | 58.80% | 56.50% | 48.53% | 52.97% | -198 bps | |
| Liquid Assets / Assets | 47.26% | 43.97% | 44.29% | 53.24% | 48.67% | +141 bps | |
| CRE / Total Capital | n/a | 154.85% | 149.44% | 147.63% | n/a | n/a | |