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 | |