Wyoming Bank & Trust
Cheyenne, WY · Cert 8718 · Peer group: banks under $1B in assets (n=549-597)
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 87 of 549).
- Widest gap: net interest margin trails 84% of banks under $1B in assets (rank 500 of 596).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.54%
Rank 439 of 597
Net Interest Margin
2.58%
Rank 500 of 596
Efficiency Ratio
80.93%
Rank 438 of 596
Equity / Assets
9.27%
Rank 370 of 596
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 27% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.50% | 0.91% | 1.42% | Beats 26% | 439 / 597 | |
| Return on Equity | 5.81% | 4.85% | 8.87% | 12.94% | Beats 31% | 410 / 596 | |
| Net Interest Margin | 2.58% | 2.85% | 3.33% | 3.90% | Beats 16% | 500 / 596 | |
| Efficiency Ratio | 80.93% | 58.90% | 70.17% | 82.27% | Beats 27% | 438 / 596 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.33% | 0.97% | Beats 100% | 87 / 549 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 549 | |
| Capital |
| Tier 1 Capital Ratio | 22.36% | 11.27% | 13.92% | 19.42% | Beats 81% | 116 / 596 | |
| Total Risk-Based Capital Ratio | 23.61% | 11.78% | 14.47% | 20.21% | Beats 81% | 113 / 596 | |
| Equity / Assets | 9.27% | 8.55% | 10.17% | 13.03% | Beats 38% | 370 / 596 | |
| Liquidity & Funding |
| Loans / Deposits | 49.87% | 64.44% | 78.77% | 92.03% | 11th pctl | 496 / 559 | |
| Loans / Assets | 44.14% | 55.45% | 68.56% | 77.98% | 10th pctl | 495 / 549 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |