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 289 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
Unfavorable gap of $2.1M · efficiency ratio beats 4% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.68% | 0.56% | 0.97% | 1.38% | Beats 4% | 522 / 541 | |
| Return on Equity | -7.89% | 5.68% | 9.28% | 12.43% | Beats 4% | 519 / 541 | |
| Net Interest Margin | 5.49% | 2.87% | 3.39% | 3.85% | Beats 99% | 8 / 541 | |
| Efficiency Ratio | 127.50% | 58.91% | 68.65% | 80.35% | Beats 4% | 518 / 540 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.26% | 0.07% | 0.34% | 1.07% | Beats 22% | 387 / 495 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.07% | 10.99% | 13.81% | 17.99% | Beats 81% | 102 / 541 | |
| Total Risk-Based Capital Ratio | 21.07% | 11.43% | 14.30% | 18.80% | Beats 80% | 107 / 541 | |
| Equity / Assets | 21.26% | 8.87% | 10.43% | 13.26% | Beats 90% | 56 / 541 | |
| Liquidity & Funding |
| Loans / Deposits | 75.19% | 65.07% | 79.29% | 92.66% | 43rd pctl | 283 / 495 | |
| Loans / Assets | 59.04% | 55.91% | 67.98% | 77.76% | 29th pctl | 350 / 495 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.32% | Beats 100% | 289 / 506 | |