PackageTrendsPeer
Letter portraitLegal landscape

Wyoming Bank & Trust

Cheyenne, WY · Cert 8718

FDIC · 2 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=528 to 576). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q2 2025peer median (50)

Asset Quality

100

Q2 2024Q2 2025peer median (50)

Profitability

24

Q2 2024Q2 2025peer median (50)

Liquidity

4

Q2 2024Q2 2025peer median

Efficiency

26

Q2 2024Q2 2025peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wyoming Bank & Trust

Cheyenne, WY · Cert 8718

FDIC · 2 branches

Q2 2025

$318.3MAssets
$140.5MLoans
$281.8MDeposits
$29.5MEquity
Loan mix
68%RE $77.4M32%C&I $36.3M1%Consumer $0.7MQ3 2023Q2 2025
Deposit mix
79%Interest-bearing $223.9M21%Noninterest $57.8MQ3 2023Q2 2025

Market Position · Cheyenne, WY · 2025 SOD (annual) · 9.7% share · #4 of 20 inst. · $0.3B of $2.9B

Executive Summary

  • Earnings: ROA of 0.52%, down 69 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.38%, down 16 bps from a year ago.
  • Funding: loans stand at 49.87% of deposits as of Q2 2025.

Return on Assets (YTD, annualized)

0.52%-69 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+6 bps YoY

Efficiency Ratio (YTD, annualized)

80.93%-112 bps YoY

Tier 1 Leverage Ratio

11.38%-16 bps YoY

NIM

4.16%Q2 ’235.09%Q2 ’244.86%Q2 ’250%+3%

Non-interest income vs. expense

7.04%Q2 ’237.07%Q2 ’247.04%Q2 ’25+7%-5%

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.17%1.18%0.78%1.21%1.28%1.25%0.97%0.52%-69 bps
Return on Equity19.04%18.81%10.89%16.28%16.66%16.18%11.62%6.04%-1,024 bps
Net Interest Margin2.35%2.23%2.38%2.52%2.43%2.26%2.46%2.58%+6 bps
Efficiency Ratio82.96%82.88%85.49%82.06%82.39%82.76%82.94%80.93%-112 bps
Non-Interest Burden0.88%0.83%1.43%0.97%0.82%0.80%1.24%0.92%-5 bps
Growth
Asset Growth (YoY)11.02%20.38%9.94%2.31%2.93%2.59%2.99%5.59%+329 bps
Loan Growth (YoY)11.17%9.51%9.77%8.24%2.83%-0.57%6.71%6.18%-207 bps
Deposit Growth (YoY)0.14%9.53%9.25%10.13%7.95%8.81%5.43%4.52%-560 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.05%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.85%1.76%1.73%1.70%1.80%1.77%1.62%1.60%-10 bps
Allowance Coverage of NPLsn/an/a37.4xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.59%10.05%10.51%11.54%11.48%10.71%11.46%11.38%-16 bps
Total Risk-Based Capital18.13%18.67%20.07%22.16%22.75%24.10%23.68%23.61%+144 bps
Equity / Assets5.46%6.78%7.49%8.12%8.46%7.89%8.87%9.27%+116 bps
Liquidity & Funding
Loans / Deposits44.00%45.11%47.45%49.09%41.92%41.22%48.03%49.87%+78 bps
Liquid Assets / Assets21.43%18.87%13.85%10.83%19.89%23.01%14.47%32.99%+2,216 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wyoming Bank & Trust

Cheyenne, WY · Cert 8718 · Peer group: banks under $1B in assets (n=528-576)

FDIC · 2 branches

Q2 2025

$318.3MAssets
$140.5MLoans
$281.8MDeposits
$29.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 84 of 528).
  • Widest gap: net interest margin trails 85% of banks under $1B in assets (rank 486 of 575).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.54%

Rank 426 of 576

Net Interest Margin

2.58%

Rank 486 of 575

Efficiency Ratio

80.93%

Rank 424 of 575

Equity / Assets

9.27%

Rank 352 of 575

Non-interest income vs. expense

$20.6M$23.7MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 26% of banks under $1B in assets
Bank 80.93%Peer median 70.1%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.54%0.51%0.91%1.43%Beats 26%426 / 576
Return on Equity5.81%4.85%8.92%13.13%Beats 31%397 / 575
Net Interest Margin2.58%2.85%3.33%3.90%Beats 15%486 / 575
Efficiency Ratio80.93%58.61%70.08%82.08%Beats 26%424 / 575
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.34%0.93%Beats 100%84 / 528
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%156 / 528
Capital
Tier 1 Capital Ratio22.36%11.22%13.91%18.96%Beats 81%108 / 575
Total Risk-Based Capital Ratio23.61%11.76%14.45%19.92%Beats 82%105 / 575
Equity / Assets9.27%8.53%10.12%12.97%Beats 39%352 / 575
Liquidity & Funding
Loans / Deposits49.87%64.54%78.36%91.99%12th pctl476 / 538
Loans / Assets44.14%55.85%68.40%77.98%10th pctl476 / 528
Brokered Deposits / Depositsn/aNot reported for this institution