BlastPoint's Banking Scorecard
The Converse County Bank
Designations: ✓ Community bank
Douglas, WY
3 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 885 banks in the $1B-$10B peer group nationwide — 1 of 3 in WY.
- Deposits +5.9% year over year ($982.6M on the books).
- Delinquency rate 0.05%.
- Return on assets 1.25%.
- Efficiency ratio 45.40% vs a 59.73% peer average.
- Loan-to-deposit ratio 31.13% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Converse County Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.82% below tier average
- + Nonperforming Asset Ratio 0.66% below tier average
- + Efficiency Ratio 14.33% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 34.1% in tier
- - Net Interest Margin 1.83% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+6.2% YoY
+0.1% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$450.2M
+6.6% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.6% in tier |
| Total Loans ? |
$305.9M
+4.1% YoY
+1.4% QoQ
|
-$1.7B |
$2.0B
-0.3% YoY
|
$256.9M
+8.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.4% in tier |
| Total Deposits ? |
$982.6M
+5.9% YoY
-0.2% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$395.8M
+5.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.0% in tier |
| Return on Assets ? |
1.25%
-12.5% YoY
+9.4% QoQ
|
-0.14% |
1.39%
+17.0% YoY
|
1.35%
+50.4% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
2.04%
-9.9% YoY
+2.5% QoQ
|
-1.83% |
3.87%
+6.2% YoY
|
3.97%
+6.9% YoY
|
3.95%
+4.9% YoY
|
Bottom 1.9% in tier |
| Efficiency Ratio ? |
45.40%
+5.3% YoY
-6.4% QoQ
|
-14.33% |
59.73%
-12.6% YoY
|
70.09%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Top 12.5% in tier |
| Delinquency Rate ? |
0.05%
-97.2% YoY
-3.4% QoQ
|
-0.82% |
0.87%
+11.7% YoY
|
0.54%
-5.2% YoY
|
0.98%
+16.3% YoY
|
Top 7.8% in tier |
| Loan-to-Deposit Ratio ? |
31.13%
-1.7% YoY
+1.6% QoQ
|
-53.91% |
85.04%
-0.1% YoY
|
246.53%
+252.1% YoY
|
79.03%
+2.3% YoY
|
Top 2.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.00%
+10.6% YoY
-4.7% QoQ
|
-8.27% |
21.27%
-1.5% YoY
|
24.71%
-0.8% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.01%
-97.2% YoY
-2.1% QoQ
|
-0.66% |
0.67%
+11.7% YoY
|
0.41%
+17.6% YoY
|
0.69%
+15.8% YoY
|
Top 5.1% in tier |
| Tier 1 Capital Ratio ? |
27.51%
+1.1% YoY
+0.1% QoQ
|
+12.67% |
14.84%
-0.4% YoY
|
20.04%
+15.3% YoY
|
17.09%
+0.8% YoY
|
Top 2.9% in tier |
| Non-Interest Income / Assets ? |
0.19%
-0.5% YoY
+105.1% QoQ
|
-0.34% |
0.53%
+2.5% YoY
|
0.52%
+37.3% YoY
|
0.66%
+5.2% YoY
|
29% |
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 |
13.0%
+1.2pp YoY -0.6pp QoQ |
-8.4pp | 21.4% | 24.7% | 22.2% | 19% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
35.2%
+2.0pp YoY 0.0pp QoQ |
+21.2pp | 14.0% | 16.1% | 12.5% | 94% |
| CRE | n/a | n/a | 50.0% | 45.3% | 41.4% | n/a |
| 1-4 Family |
18.8%
+1.1pp YoY +0.8pp QoQ |
-7.6pp | 26.4% | 25.2% | 31.3% | 39% |
| Consumer |
11.0%
-1.3pp YoY +0.2pp QoQ |
+6.3pp | 4.7% | 4.1% | 5.0% | 90% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
27.5%
+0.3pp YoY 0.0pp QoQ |
+11.9pp | 15.6% | 25.5% | 19.7% | 97% |
| Leverage Ratio |
9.6%
0.0pp YoY -0.1pp QoQ |
-1.7pp | 11.3% | 11.6% | 12.6% | 24% |
| Total Capital Ratio |
28.4%
+0.1pp YoY +0.1pp QoQ |
+11.7pp | 16.7% | 26.6% | 20.8% | 97% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
63
+2 (+3.3%) YoY 0 QoQ |
-251 | 313 | 57 | 482 | 1% |
| Assets per Employee ($) |
$17.4M
+2.9% YoY +0.1% QoQ |
+$6.9M | $10.5M | $8.7M | $8.8M | 93% |
| Branch Count |
3
0 YoY 0 QoQ |
-17 | 20 | 4 | 18 | 8% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.0%
-1.2pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 0.6% | 1.0% | 5% |
| Allowance Coverage |
23.29x
+2724.5% YoY +4.7% QoQ |
+4.58x | 18.71x | 18.30x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 19% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.4%
-1.7pp YoY +1.0pp QoQ |
+0.8pp | 12.6% | 9.7% | 11.6% | 60% |
| Cost of Funds (YTD) |
2.3%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.9% | 1.6% | 1.7% | 75% |
| Net Income ($, YTD) |
$6.8M
-5.0% YoY — QoQ |
-$12.4M | $19.2M | $3.2M | $40.4M | 22% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.