Cheyenne, WY · Cert 57363
FDIC · 1 branch
Q4 2025
Market Position · Cheyenne, WY · 2025 SOD (annual) · 0.9% share · #17 of 20 inst. · $0.0B of $2.9B
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.19% | 3.56% | 3.80% | 5.28% | 5.49% | +230 bps | |
| Efficiency Ratio | 134.31% | 113.71% | 132.13% | 125.10% | 127.50% | -681 bps | |
| Non-Interest Burden | 4.37% | 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 / Loans | 7.28% | 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 / Loans | 1.88% | 2.02% | 1.94% | 2.11% | 2.32% | +44 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.5x | 1.8x | +1.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.86% | 16.99% | 17.58% | 20.88% | 21.07% | +421 bps | |
| Total Risk-Based Capital | 28.72% | 31.32% | 29.24% | 20.88% | 21.07% | -765 bps | |
| Equity / Assets | 15.72% | 15.79% | 19.20% | 20.48% | 21.26% | +555 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.24% | 66.49% | 76.88% | 77.06% | 75.19% | +395 bps | |
| Liquid Assets / Assets | 0.74% | 0.76% | 0.94% | 1.03% | 1.10% | +36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 91.62% | 86.40% | n/a | |