BlastPoint's Banking Scorecard
The Converse County Bank
Designations: ✓ Community bank
Douglas, WY
3 branches across WY
The Converse County Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.84% below tier average
- + Nonperforming Asset Ratio 0.66% below tier average
- + Efficiency Ratio 12.54% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 3.2% in tier
- - Margin Compression: Bottom 26.2% in tier
- - Net Interest Margin 1.83% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+6.9% YoY
+0.3% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$445.8M
+4.9% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.5% in tier |
| Total Loans ? |
$301.5M
+7.4% YoY
+0.3% QoQ
|
-$1.7B |
$2.0B
+0.6% YoY
|
$250.1M
+8.7% YoY
|
$3.2B
+10.8% YoY
|
Bottom 1.5% in tier |
| Total Deposits ? |
$984.5M
+7.4% YoY
-0.1% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$397.2M
+4.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.8% in tier |
| Return on Assets ? |
1.15%
-20.1% YoY
+0.8% QoQ
|
-0.22% |
1.37%
+19.6% YoY
|
1.18%
+46.8% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
1.99%
-12.2% YoY
-10.2% QoQ
|
-1.83% |
3.82%
+6.9% YoY
|
3.82%
+5.9% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio ? |
48.52%
+13.1% YoY
+9.8% QoQ
|
-12.54% |
61.06%
-4.6% YoY
|
71.89%
-9.4% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.05%
-97.0% YoY
-84.9% QoQ
|
-0.84% |
0.89%
+14.1% YoY
|
0.47%
-19.3% YoY
|
0.95%
+18.8% YoY
|
Top 6.5% in tier |
| Loan-to-Deposit Ratio ? |
30.62%
+0.1% YoY
+0.4% QoQ
|
-53.58% |
84.20%
+0.3% YoY
|
68.79%
+12.9% YoY
|
76.70%
+0.9% YoY
|
Top 2.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.64%
+15.4% YoY
+19.9% QoQ
|
-7.65% |
21.29%
-2.5% YoY
|
24.89%
+11.1% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.01%
-97.0% YoY
-84.9% QoQ
|
-0.66% |
0.67%
+15.6% YoY
|
0.38%
+6.8% YoY
|
0.67%
+19.3% YoY
|
Top 4.0% in tier |
| Tier 1 Capital Ratio ? |
27.48%
-2.7% YoY
+1.2% QoQ
|
+12.32% |
15.16%
+2.0% YoY
|
19.62%
+12.7% YoY
|
17.06%
+0.8% YoY
|
Top 3.2% in tier |
| Non-Interest Income / Assets ? |
0.09%
-0.3% YoY
-76.0% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.21%
+17.8% YoY
|
0.32%
+4.1% YoY
|
29% |
Get Full Access to The Converse County Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
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.