BlastPoint's Banking Scorecard

Bank of Star Valley

$100M-$1B Specialty: Commercial WY FDIC cert 34148

Afton, WY

3 branches across WY

2664 banks in the $100M-$1B peer group nationally 17 in WY

Bank of Star Valley has 4 strengths but faces 2 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

+ Profitability Leader: Top 3.5% in tier
+ Efficiency Ratio 23.25% below tier average
+ Net Interest Margin 0.42% above tier average
+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.6% in tier
- Credit Risk Growth: Bottom 25.8% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Total Assets ?	$404.5M +0.2% YoY +0.7% QoQ	+$18.4M	$386.1M +0.5% YoY	$445.8M +4.9% YoY	$6.2B +9.1% YoY	62%
Total Loans ?	$231.4M +6.9% YoY +1.9% QoQ	-$24.3M	$255.7M +1.1% YoY	$250.1M +8.7% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$354.6M +2.6% YoY +1.0% QoQ	+$26.6M	$328.0M +0.1% YoY	$397.2M +4.6% YoY	$4.8B +8.2% YoY	63%
Return on Assets ?	3.08% +46.8% YoY +26.4% QoQ	+1.81%	1.27% +12.9% YoY	1.18% +46.8% YoY	1.23% +13.4% YoY	Top 1.8% in tier
Net Interest Margin ?	4.35% +10.0% YoY -0.0% QoQ	+0.42%	3.93% +6.0% YoY	3.82% +5.9% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	42.04% -7.5% YoY -1.0% QoQ	-23.25%	65.29% -4.5% YoY	71.89% -9.4% YoY	66.95% -4.1% YoY	Top 5.7% in tier
Delinquency Rate ?	0.13% +146.5% YoY -25.6% QoQ	-0.75%	0.89% +18.8% YoY	0.47% -19.3% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	65.27% +4.2% YoY +0.8% QoQ	-11.36%	76.64% +0.8% YoY	68.79% +12.9% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	28.64% +5.5% YoY -3.0% QoQ	+6.62%	22.02% -1.0% YoY	24.89% +11.1% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.08% -55.3% YoY -68.7% QoQ	-0.56%	0.64% +19.7% YoY	0.38% +6.8% YoY	0.67% +19.3% YoY	74%
Tier 1 Capital Ratio ?	17.02% -3.8% YoY +2.8% QoQ	+1.19%	15.83% +1.5% YoY	19.62% +12.7% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.09% +16.3% YoY -74.3% QoQ	-0.19%	0.28% +9.3% YoY	0.21% +17.8% YoY	0.32% +4.1% YoY	43%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Profitability Leader

growth

#24 of 666 • Top 3.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.08%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#205 of 1308 • Bottom 15.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.13%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#252 of 973 • Bottom 25.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 3.08%

Peer Median: 1.27%

#50 of 2664 Top 1.8% in $100M-$1B

153

Efficiency Ratio

profitability

Value: 42.04%

Peer Median: 65.29%

#153 of 2664 Top 5.7% in $100M-$1B

577

Non-Interest-Bearing Deposit Share

funding

Value: 28.64%

Peer Median: 22.02%

#577 of 2664 Top 21.6% in $100M-$1B

614

Tier 1 Capital Ratio

capital

Value: 17.02%

Peer Median: 15.83%

#614 of 2664 Top 23.0% in $100M-$1B

639

Net Interest Margin

profitability

Value: 4.35%

Peer Median: 3.93%

#639 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available