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
Unfavorable gap of $3.1M · efficiency ratio beats 26% 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% | 0.51% | 0.91% | 1.43% | Beats 26% | 426 / 576 | |
| Return on Equity | 5.81% | 4.85% | 8.92% | 13.13% | Beats 31% | 397 / 575 | |
| Net Interest Margin | 2.58% | 2.85% | 3.33% | 3.90% | Beats 15% | 486 / 575 | |
| Efficiency Ratio | 80.93% | 58.61% | 70.08% | 82.08% | Beats 26% | 424 / 575 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.34% | 0.93% | Beats 100% | 84 / 528 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 156 / 528 | |
| Capital |
| Tier 1 Capital Ratio | 22.36% | 11.22% | 13.91% | 18.96% | Beats 81% | 108 / 575 | |
| Total Risk-Based Capital Ratio | 23.61% | 11.76% | 14.45% | 19.92% | Beats 82% | 105 / 575 | |
| Equity / Assets | 9.27% | 8.53% | 10.12% | 12.97% | Beats 39% | 352 / 575 | |
| Liquidity & Funding |
| Loans / Deposits | 49.87% | 64.54% | 78.36% | 91.99% | 12th pctl | 476 / 538 | |
| Loans / Assets | 44.14% | 55.85% | 68.40% | 77.98% | 10th pctl | 476 / 528 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |