Casper, WY · Cert 58396 · Jonah Bankshares
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
86
Profitability
92
Liquidity
91
Efficiency
87
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.
Casper, WY · Cert 58396 · Jonah Bankshares
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Casper, WY · 2026 SOD (annual) · 9.9% share · #4 of 9 inst. · $0.3B of $2.6B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.60% | 1.67% | 1.83% | 1.87% | 1.92% | 1.96% | 2.05% | +22 bps | |
| Return on Equity | 17.74% | 18.21% | 18.88% | 20.49% | 20.59% | 21.29% | 21.71% | 22.72% | +223 bps | |
| Net Interest Margin | 4.06% | 3.95% | 4.24% | 4.40% | 4.34% | 4.28% | 4.59% | 4.62% | +23 bps | |
| Efficiency Ratio | 57.35% | 57.36% | 55.66% | 53.52% | 52.83% | 52.00% | 52.28% | 51.12% | -240 bps | |
| Non-Interest Burden | 2.02% | 1.97% | 2.05% | 1.96% | 1.89% | 1.84% | 2.02% | 1.95% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.74% | 2.37% | 3.46% | 5.88% | 6.20% | 5.00% | 7.50% | 6.68% | +80 bps | |
| Loan Growth (YoY) | 3.77% | 6.18% | 7.99% | 7.43% | 3.83% | 6.77% | 12.47% | 11.34% | +391 bps | |
| Deposit Growth (YoY) | 2.04% | 2.30% | 2.99% | 5.80% | 6.32% | 4.71% | 7.63% | 7.06% | +126 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.12% | 0.12% | 0.11% | 0.15% | 0.14% | 0.00% | 0.00% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.70% | 1.69% | 1.71% | 1.73% | 1.77% | 1.74% | 1.69% | 1.71% | -2 bps | |
| Allowance Coverage of NPLs | 14.4x | 14.4x | 14.7x | 15.1x | 11.8x | 12.1x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.40% | 9.51% | 10.09% | 10.09% | 10.34% | 9.38% | 9.85% | 9.59% | -50 bps | |
| Total Risk-Based Capital | 10.40% | 9.51% | 10.09% | 10.09% | 10.34% | 9.38% | 9.85% | 9.59% | -50 bps | |
| Equity / Assets | 9.34% | 8.50% | 9.18% | 9.17% | 9.37% | 8.89% | 9.18% | 9.03% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.73% | 72.27% | 73.32% | 74.82% | 71.02% | 73.69% | 76.61% | 77.82% | +299 bps | |
| Liquid Assets / Assets | 14.64% | 14.36% | 14.44% | 13.53% | 18.43% | 16.55% | 14.84% | 13.92% | +40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 358% | 398% | 390% | n/a | n/a | |
Casper, WY · Cert 58396 · Peer group: banks under $1B in assets (n=581-629) · Jonah Bankshares
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
2.05%
Rank 74 of 629
Net Interest Margin
4.62%
Rank 52 of 629
Efficiency Ratio
51.12%
Rank 80 of 629
Equity / Assets
9.03%
Rank 479 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.05% | 0.60% | 1.01% | 1.45% | Beats 88% | 74 / 629 | ||
| Return on Equity | 22.76% | 5.38% | 9.30% | 13.28% | Beats 95% | 31 / 629 | ||
| Net Interest Margin | 4.62% | 3.03% | 3.54% | 4.05% | Beats 92% | 52 / 629 | ||
| Efficiency Ratio | 51.12% | 58.35% | 67.79% | 79.08% | Beats 87% | 80 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 72% | 168 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.59% | 11.24% | 13.84% | 18.77% | Beats 7% | 585 / 629 | ||
| Total Risk-Based Capital Ratio | 9.59% | 11.58% | 14.43% | 19.66% | Beats 7% | 587 / 629 | ||
| Equity / Assets | 9.03% | 9.09% | 10.65% | 13.80% | Beats 24% | 479 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.82% | 67.24% | 80.90% | 93.48% | 46th pctl | 318 / 594 | ||
| Loans / Assets | 70.23% | 53.31% | 67.71% | 78.15% | 56th pctl | 278 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||