Cheyenne, WY · Cert 8718
FDIC · 2 branches
Q2 2025
Market Position · Cheyenne, WY · 2025 SOD (annual) · 9.7% share · #4 of 20 inst. · $0.3B of $2.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.67% | 1.48% | 1.16% | 0.97% | 0.06% | -161 bps | |
| Return on Equity | 21.47% | 17.79% | 14.16% | 11.62% | 0.69% | -2,078 bps | |
| Net Interest Margin | 2.49% | 2.42% | 2.34% | 2.46% | 2.69% | +20 bps | |
| Efficiency Ratio | 79.72% | 82.91% | 83.85% | 82.94% | 79.53% | -19 bps | |
| Non-Interest Burden | 0.40% | 0.58% | 0.94% | 1.24% | 0.58% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.31% | 2.93% | 2.59% | 2.99% | 5.59% | +329 bps | |
| Loan Growth (YoY) | 8.24% | 2.83% | -0.57% | 6.71% | 6.18% | -207 bps | |
| Deposit Growth (YoY) | 10.13% | 7.95% | 8.81% | 5.43% | 4.52% | -560 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.70% | 1.80% | 1.77% | 1.62% | 1.60% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.54% | 11.48% | 10.71% | 11.46% | 11.38% | -16 bps | |
| Total Risk-Based Capital | 22.16% | 22.75% | 24.10% | 23.68% | 23.61% | +144 bps | |
| Equity / Assets | 8.12% | 8.46% | 7.89% | 8.87% | 9.27% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.09% | 41.92% | 41.22% | 48.03% | 49.87% | +78 bps | |
| Liquid Assets / Assets | 10.83% | 19.89% | 23.01% | 14.47% | 32.99% | +2,216 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |