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Tanager Bank

$100M-$1B Specialty: Commercial WY FDIC cert 1167

Jackson, WY

4 branches across WY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in WY.
  • Deposits -8.3% year over year ($179.0M on the books).
  • Delinquency rate 0.60%.
  • Return on assets 0.29%.
  • Efficiency ratio 91.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 41.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 17 in WY
View $100M-$1B leaderboard (WY) →

Tanager Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 20.8% in tier
  • - Return on Assets 1.04% below tier average
  • - Net Interest Margin 1.29% below tier average
  • - Efficiency Ratio 27.03% above tier average
  • - Non-Interest-Bearing Deposit Share 14.07% below tier average
  • - Non-Interest Income / Assets 0.59% below tier average
Get updates when Tanager Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Total Assets ? $222.3M
+6.7% YoY +2.5% QoQ
-$164.3M $386.6M
+1.2% YoY
$450.2M
+6.6% YoY
$6.3B
+7.7% YoY
31%
Total Loans ? $74.8M
-1.1% YoY +9.3% QoQ
-$183.6M $258.3M
+1.7% YoY
$256.9M
+8.1% YoY
$3.2B
+9.4% YoY
Bottom 8.4% in tier
Total Deposits ? $179.0M
-8.3% YoY -11.4% QoQ
-$147.8M $326.7M
+0.7% YoY
$395.8M
+5.2% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 0.29%
+616.9% QoQ
-1.04% 1.32%
+10.8% YoY
1.35%
+50.4% YoY
1.30%
+12.1% YoY
Bottom 7.1% in tier
Net Interest Margin ? 2.70%
+93.3% YoY +97.3% QoQ
-1.29% 3.99%
+5.0% YoY
3.97%
+6.9% YoY
3.95%
+4.9% YoY
Bottom 4.8% in tier
Efficiency Ratio ? 91.51%
-2.0% YoY -9.6% QoQ
+27.03% 64.48%
-3.2% YoY
70.09%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 4.8% in tier
Delinquency Rate ? 0.60%
-23.8% YoY -11.5% QoQ
-0.32% 0.92%
+15.7% YoY
0.54%
-5.2% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 41.79%
+7.8% YoY +23.3% QoQ
-36.17% 77.95%
+1.0% YoY
246.53%
+252.1% YoY
79.03%
+2.3% YoY
Top 4.7% in tier
Non-Interest-Bearing Deposit Share ? 7.96%
+1.7% YoY +10.2% QoQ
-14.07% 22.03%
-0.6% YoY
24.71%
-0.8% YoY
21.98%
-0.6% YoY
Bottom 6.9% in tier
Nonperforming Asset Ratio ? 0.20%
-29.4% YoY -5.6% QoQ
-0.47% 0.67%
+16.4% YoY
0.41%
+17.6% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 25.08%
+4.9% YoY -4.3% QoQ
+9.17% 15.91%
+1.4% YoY
20.04%
+15.3% YoY
17.09%
+0.8% YoY
Top 6.8% in tier
Non-Interest Income / Assets ? -0.03%
-139.8% YoY -212.1% QoQ
-0.59% 0.57%
+7.6% YoY
0.52%
+37.3% YoY
0.66%
+5.2% YoY
Bottom 0.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Noninterest-Bearing 8.0%
+0.1pp YoY
+0.7pp QoQ
 -14.2pp 22.1% 24.7% 22.2% 6%
Brokered Deposits 29.7%
-1.9pp YoY
+3.9pp QoQ
 +21.8pp 7.9% 12.5% 8.5% 97%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
C&I 10.3%
-1.9pp YoY
-1.6pp QoQ
 -1.3pp 11.6% 16.1% 12.5% 54%
CRE 82.8%
+1.5pp YoY
+0.8pp QoQ
 +43.3pp 39.5% 45.3% 41.4% 98%
1-4 Family 5.3%
+1.5pp YoY
+1.8pp QoQ
 -27.3pp 32.6% 25.2% 31.3% 5%
Consumer 1.2%
+0.2pp YoY
+0.2pp QoQ
 -2.9pp 4.1% 4.1% 5.0% 33%

Capital

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
CET1 Ratio 25.1%
+1.2pp YoY
-1.1pp QoQ
 +6.3pp 18.8% 25.5% 19.7% 89%
Leverage Ratio 14.8%
+3.0pp YoY
+2.4pp QoQ
 +2.6pp 12.2% 11.6% 12.6% 86%
Total Capital Ratio 26.2%
+1.4pp YoY
-1.0pp QoQ
 +6.3pp 19.9% 26.6% 20.8% 89%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Full-Time Employees 29
+13 (+81.2%) YoY
+15 (+107.1%) QoQ
 -30 58 57 482 25%
Assets per Employee ($) $7.7M
-41.1% YoY
-50.5% QoQ
 +$146K $7.5M $8.7M $8.8M 63%
Branch Count 4
+1 (+33.3%) YoY
+1 (+33.3%) QoQ
 -1 4 4 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.6%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 0.9% 0.6% 1.0% 57%
Allowance Coverage 3.20x
+97.9% YoY
+55.6% QoQ
 -20.95x 24.15x 18.30x 20.23x 60%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
ROE 2.7%
+2.5pp YoY
+2.1pp QoQ
 -9.5pp 12.2% 9.7% 11.6% 8%
Cost of Funds (YTD) 2.6%
-0.2pp YoY
+0.1pp QoQ
 +0.9pp 1.7% 1.6% 1.7% 93%
Net Income ($, YTD) $307,000
+2690.9% YoY
— QoQ
 -$2.2M $2.6M $3.2M $40.4M 7%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline
#112 of 535 • Bottom 20.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

126
Loan-to-Deposit Ratio
liquidity
Value: 41.79%
Peer Median: 77.95%
#126 of 2643 Top 4.7% in $100M-$1B
180
Tier 1 Capital Ratio
capital
Value: 25.08%
Peer Median: 15.91%
#180 of 2643 Top 6.8% in $100M-$1B

Top Weaknesses (6 metrics)

2637
Non-Interest Income / Assets
revenue_mix
Value: -0.03%
Peer Median: 0.57%
#2637 of 2643 Bottom 0.3% in $100M-$1B
2518
Net Interest Margin
profitability
Value: 2.70%
Peer Median: 3.99%
#2518 of 2643 Bottom 4.8% in $100M-$1B
2516
Efficiency Ratio
profitability
Value: 91.51%
Peer Median: 64.48%
#2516 of 2643 Bottom 4.8% in $100M-$1B
2461
Non-Interest-Bearing Deposit Share
funding
Value: 7.96%
Peer Median: 22.03%
#2461 of 2643 Bottom 6.9% in $100M-$1B
2457
Return on Assets
profitability
Value: 0.29%
Peer Median: 1.32%
#2457 of 2643 Bottom 7.1% in $100M-$1B
2421
Total Loans
size
Value: $74.78M
Peer Median: $258.35M
#2421 of 2643 Bottom 8.4% in $100M-$1B
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