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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.44% | -0.32% | -3.85% | -0.50% | -2.07% | -1.11% | -2.07% | +178 bps | |
| Return on Equity | 0.35% | 2.76% | -1.86% | -23.23% | -3.19% | -11.95% | -5.59% | -9.90% | +1,333 bps | |
| Net Interest Margin | 4.04% | 3.83% | 3.99% | 0.27% | 3.56% | 3.82% | 6.67% | 5.60% | +533 bps | |
| Efficiency Ratio | 101.53% | 107.23% | 107.39% | 900% | 113.71% | 150.40% | 115.65% | 134.62% | -76,538 bps | |
| Non-Interest Burden | 4.11% | 4.13% | 4.30% | 4.27% | 4.08% | 5.87% | 7.81% | 7.65% | +338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.03% | -13.51% | -12.97% | -16.42% | -6.42% | -21.42% | -23.48% | -29.80% | -1,337 bps | |
| Loan Growth (YoY) | -21.38% | -32.72% | -29.06% | -27.38% | -25.55% | -23.88% | -26.35% | -30.87% | -349 bps | |
| Deposit Growth (YoY) | -6.35% | -12.98% | -15.80% | -17.99% | -6.48% | -24.20% | -26.39% | -34.50% | -1,652 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.13% | 0.14% | 7.28% | 6.37% | 5.62% | 4.64% | 1.26% | -602 bps | |
| Net Charge-Offs / Loans | -0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 1.35% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.81% | 1.74% | 1.82% | 1.88% | 2.02% | 1.94% | 2.11% | 2.32% | +44 bps | |
| Allowance Coverage of NPLs | 4.2x | 13.5x | 13.5x | 0.3x | 0.3x | 0.3x | 0.5x | 1.8x | +1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.48% | 16.89% | 17.50% | 16.86% | 16.99% | 17.58% | 20.88% | 21.07% | +421 bps | |
| Total Risk-Based Capital | 24.80% | 27.67% | 27.64% | 28.72% | 31.32% | 29.24% | 20.88% | 21.07% | -765 bps | |
| Equity / Assets | 15.60% | 16.51% | 17.42% | 15.72% | 15.79% | 19.20% | 20.48% | 21.26% | +555 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.53% | 76.55% | 77.02% | 71.24% | 66.49% | 76.88% | 77.06% | 75.19% | +395 bps | |
| Liquid Assets / Assets | 0.30% | 0.62% | 0.63% | 0.74% | 0.76% | 0.94% | 1.03% | 1.10% | +36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 91.62% | 86.40% | n/a | |