BlastPoint's Banking Scorecard
Sundance State Bank
Sundance, WY
2 branches across SD · 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 +0.3% year over year ($255.2M on the books).
- Delinquency rate 0.57%.
- Return on assets 1.68%.
- Efficiency ratio 46.71% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.53% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sundance State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 0.16% above tier average
- + Efficiency Ratio 17.76% below tier average
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$290.9M
-0.3% YoY
+2.6% QoQ
|
-$95.7M |
$386.6M
+1.2% YoY
|
$450.2M
+6.6% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$187.6M
+13.7% YoY
+7.4% QoQ
|
-$70.7M |
$258.3M
+1.7% YoY
|
$256.9M
+8.1% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$255.2M
+0.3% YoY
+2.7% QoQ
|
-$71.6M |
$326.7M
+0.7% YoY
|
$395.8M
+5.2% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
1.68%
+9.6% YoY
+0.4% QoQ
|
+0.36% |
1.32%
+10.8% YoY
|
1.35%
+50.4% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
4.15%
+17.7% YoY
+3.4% QoQ
|
+0.16% |
3.99%
+5.0% YoY
|
3.97%
+6.9% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
46.71%
+0.4% YoY
-1.0% QoQ
|
-17.76% |
64.48%
-3.2% YoY
|
70.09%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Top 11.3% in tier |
| Delinquency Rate ? |
0.57%
-41.5% YoY
-25.1% QoQ
|
-0.35% |
0.92%
+15.7% YoY
|
0.54%
-5.2% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
73.53%
+13.3% YoY
+4.6% QoQ
|
-4.42% |
77.95%
+1.0% YoY
|
246.53%
+252.1% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
19.39%
+4.5% YoY
-7.6% QoQ
|
-2.64% |
22.03%
-0.6% YoY
|
24.71%
-0.8% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.37%
-33.3% YoY
-21.6% QoQ
|
-0.30% |
0.67%
+16.4% YoY
|
0.41%
+17.6% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
15.07%
-4.0% YoY
-2.1% QoQ
|
-0.84% |
15.91%
+1.4% YoY
|
20.04%
+15.3% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.14%
+19.8% YoY
+105.3% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.52%
+37.3% YoY
|
0.66%
+5.2% YoY
|
30% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
19.4%
+0.8pp YoY -1.6pp QoQ |
-2.8pp | 22.1% | 24.7% | 22.2% | 42% |
| Brokered Deposits | n/a | n/a | 7.9% | 12.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.7%
-1.5pp YoY +0.1pp QoQ |
+3.2pp | 11.6% | 16.1% | 12.5% | 75% |
| CRE |
28.3%
+1.2pp YoY -1.3pp QoQ |
-11.2pp | 39.5% | 45.3% | 41.4% | 32% |
| 1-4 Family |
16.0%
-1.2pp YoY -0.5pp QoQ |
-16.6pp | 32.6% | 25.2% | 31.3% | 21% |
| Consumer |
4.8%
+0.3pp YoY +0.2pp QoQ |
+0.7pp | 4.1% | 4.1% | 5.0% | 76% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.1%
-0.6pp YoY -0.3pp QoQ |
-3.8pp | 18.8% | 25.5% | 19.7% | 49% |
| Leverage Ratio |
11.9%
-0.1pp YoY +0.7pp QoQ |
-0.3pp | 12.2% | 11.6% | 12.6% | 64% |
| Total Capital Ratio |
16.3%
-0.6pp YoY -0.3pp QoQ |
-3.6pp | 19.9% | 26.6% | 20.8% | 51% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
+6 (+21.4%) YoY -1 (-2.9%) QoQ |
-25 | 58 | 57 | 482 | 33% |
| Assets per Employee ($) |
$8.6M
-17.9% YoY +5.6% QoQ |
+$1.0M | $7.5M | $8.7M | $8.8M | 75% |
| Branch Count |
2
+1 (+100.0%) YoY 0 QoQ |
-3 | 4 | 4 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.6%
-0.4pp YoY -0.2pp QoQ |
-0.4pp | 0.9% | 0.6% | 1.0% | 56% |
| Allowance Coverage |
2.68x
+50.9% YoY +26.0% QoQ |
-21.47x | 24.15x | 18.30x | 20.23x | 56% |
| Net Charge-off Rate (YTD) |
0.1%
+0.2pp YoY +0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 77% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.4%
+0.2pp YoY -0.2pp QoQ |
+4.2pp | 12.2% | 9.7% | 11.6% | 74% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 44% |
| Net Income ($, YTD) |
$2.4M
+12.2% YoY — QoQ |
-$110K | $2.6M | $3.2M | $40.4M | 61% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.