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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.56% | 1.48% | 2.00% | 0.81% | 1.35% | -21 bps | |
| Return on Equity | 14.13% | 12.99% | 16.86% | 7.11% | 12.07% | -206 bps | |
| Net Interest Margin | 4.60% | 4.49% | 4.35% | 4.05% | 4.38% | -22 bps | |
| Efficiency Ratio | 61.78% | 63.81% | 55.20% | 75.73% | 65.48% | +370 bps | |
| Non-Interest Burden | 2.68% | 2.67% | 2.03% | 3.00% | 2.83% | +15 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 | |