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Cheyenne State Bank

Cheyenne, WY · Cert 57363

FDIC · 1 branch

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=495 to 541). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

84

Q2 2024Q4 2025peer median (50)

Asset Quality

22

Q2 2024Q4 2025peer median (50)

Profitability

36

Q2 2024Q4 2025peer median (50)

Liquidity

86

Q2 2024Q4 2025peer median

Efficiency

4

Q2 2024Q4 2025peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Cheyenne State Bank

Cheyenne, WY · Cert 57363

FDIC · 1 branch

Q4 2025

$28.6MAssets
$16.9MLoans
$22.4MDeposits
$6.1MEquity
Loan mix
93%RE $15.5M6%C&I $1.0M1%Consumer $0.2MQ4 2024Q4 2025
Deposit mix
57%Interest-bearing $12.7M43%Noninterest $9.7MQ4 2024Q4 2025

NIM

5.78%Q4 ’234.79%Q4 ’246.77%Q4 ’25-33%+72%

Non-interest income vs. expense

4.10%Q4 ’234.60%Q4 ’247.48%Q4 ’25+17%+63%

Market Position · Cheyenne, WY · 2025 SOD (annual) · 0.9% share · #17 of 20 inst. · $0.0B of $2.9B

Executive Summary

  • Earnings: ROA of -1.39%, down 53 bps year over year; NIM at 5.49%.
  • Asset quality: problem loans at 1.26% of loans (-602 bps YoY), with net charge-offs at 0.40%.
  • Capital: tier 1 leverage ratio of 21.07%, up 421 bps from a year ago.
  • Funding: loans stand at 75.19% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.39%-53 bps YoY

Net Interest Margin (YTD, annualized)

5.49%+230 bps YoY

Efficiency Ratio (YTD, annualized)

127.50%-681 bps YoY

Tier 1 Leverage Ratio

21.07%+421 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets-0.85%-0.50%-1.27%-1.21%-1.39%-53 bps
Return on Equity-5.42%-3.19%-7.56%-6.91%-7.65%-223 bps
Net Interest Margin3.19%3.56%3.80%5.28%5.49%+230 bps
Efficiency Ratio134.31%113.71%132.13%125.10%127.50%-681 bps
Non-Interest Burden4.37%4.08%5.10%6.70%7.10%+274 bps
Growth
Asset Growth (YoY)-16.42%-6.42%-21.42%-23.48%-29.80%-1,337 bps
Loan Growth (YoY)-27.38%-25.55%-23.88%-26.35%-30.87%-349 bps
Deposit Growth (YoY)-17.99%-6.48%-24.20%-26.39%-34.50%-1,652 bps
Asset Quality
Nonperforming Loans / Loans7.28%6.37%5.62%4.64%1.26%-602 bps
Net Charge-Offs / Loans-0.05%0.00%0.68%0.49%0.40%+46 bps
Allowance / Loans1.88%2.02%1.94%2.11%2.32%+44 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.5x1.8x+1.6x
Capital
Tier 1 Leverage Ratio16.86%16.99%17.58%20.88%21.07%+421 bps
Total Risk-Based Capital28.72%31.32%29.24%20.88%21.07%-765 bps
Equity / Assets15.72%15.79%19.20%20.48%21.26%+555 bps
Liquidity & Funding
Loans / Deposits71.24%66.49%76.88%77.06%75.19%+395 bps
Liquid Assets / Assets0.74%0.76%0.94%1.03%1.10%+36 bps
CRE / Total Capitaln/an/an/a91.62%86.40%n/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Cheyenne State Bank

Cheyenne, WY · Cert 57363 · Peer group: banks under $1B in assets (n=495-541)

FDIC · 1 branch

Q4 2025

$28.6MAssets
$16.9MLoans
$22.4MDeposits
$6.1MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 287 of 506).
  • Widest gap: efficiency ratio trails 96% of banks under $1B in assets (rank 518 of 540).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-1.68%

Rank 522 of 541

Net Interest Margin

5.49%

Rank 8 of 541

Efficiency Ratio

127.50%

Rank 518 of 540

Equity / Assets

21.26%

Rank 56 of 541

Non-interest income vs. expense

$0.1M$2.2MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 4% of banks under $1B in assets
Bank 127.50%Peer median 68.5%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.68%0.55%0.97%1.36%Beats 4%522 / 541
Return on Equity-7.89%5.62%9.27%12.41%Beats 4%519 / 541
Net Interest Margin5.49%2.87%3.38%3.84%Beats 99%8 / 541
Efficiency Ratio127.50%58.91%68.52%79.68%Beats 4%518 / 540
Asset Quality
Nonperforming Loans / Loans1.26%0.07%0.32%1.07%Beats 22%389 / 495
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio21.07%11.01%13.76%18.08%Beats 81%103 / 541
Total Risk-Based Capital Ratio21.07%11.45%14.26%18.87%Beats 80%108 / 541
Equity / Assets21.26%8.86%10.40%13.26%Beats 90%56 / 541
Liquidity & Funding
Loans / Deposits75.19%65.48%79.29%92.68%43rd pctl284 / 495
Loans / Assets59.04%55.99%68.14%77.76%29th pctl352 / 495
Brokered Deposits / Deposits0.00%n/an/a3.28%Beats 100%287 / 506