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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.18% | 0.78% | 1.21% | 1.28% | 1.25% | 0.97% | 0.52% | -69 bps | |
| Return on Equity | 19.04% | 18.81% | 10.89% | 16.28% | 16.66% | 16.18% | 11.62% | 6.04% | -1,024 bps | |
| Net Interest Margin | 2.35% | 2.23% | 2.38% | 2.52% | 2.43% | 2.26% | 2.46% | 2.58% | +6 bps | |
| Efficiency Ratio | 82.96% | 82.88% | 85.49% | 82.06% | 82.39% | 82.76% | 82.94% | 80.93% | -112 bps | |
| Non-Interest Burden | 0.88% | 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 / Loans | 0.00% | 0.00% | 0.05% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.85% | 1.76% | 1.73% | 1.70% | 1.80% | 1.77% | 1.62% | 1.60% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 37.4x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.59% | 10.05% | 10.51% | 11.54% | 11.48% | 10.71% | 11.46% | 11.38% | -16 bps | |
| Total Risk-Based Capital | 18.13% | 18.67% | 20.07% | 22.16% | 22.75% | 24.10% | 23.68% | 23.61% | +144 bps | |
| Equity / Assets | 5.46% | 6.78% | 7.49% | 8.12% | 8.46% | 7.89% | 8.87% | 9.27% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.00% | 45.11% | 47.45% | 49.09% | 41.92% | 41.22% | 48.03% | 49.87% | +78 bps | |
| Liquid Assets / Assets | 21.43% | 18.87% | 13.85% | 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 | n/a | n/a | n/a |