BlastPoint's Banking Scorecard
Bank of Star Valley
Afton, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in WY.
- Deposits +5.0% year over year ($368.9M on the books).
- Delinquency rate 0.09%.
- Return on assets 2.77%.
- Efficiency ratio 41.42% vs a 64.48% peer average.
- Loan-to-deposit ratio 61.33% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Star Valley demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 11.5% in tier
- + Efficiency Ratio 23.06% below tier average
- + Net Interest Margin 0.37% above tier average
- + Delinquency Rate 0.83% 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 ? |
$420.0M
+4.6% YoY
+3.8% QoQ
|
+$33.4M |
$386.6M
+1.2% YoY
|
$450.2M
+6.6% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$226.3M
+3.8% YoY
-2.2% QoQ
|
-$32.1M |
$258.3M
+1.7% YoY
|
$256.9M
+8.1% YoY
|
$3.2B
+9.4% YoY
|
54% |
| Total Deposits ? |
$368.9M
+5.0% YoY
+4.0% QoQ
|
+$42.2M |
$326.7M
+0.7% YoY
|
$395.8M
+5.2% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
2.77%
+19.6% YoY
-10.3% QoQ
|
+1.44% |
1.32%
+10.8% YoY
|
1.35%
+50.4% YoY
|
1.30%
+12.1% YoY
|
Top 3.0% in tier |
| Net Interest Margin ? |
4.35%
+5.1% YoY
+0.0% QoQ
|
+0.37% |
3.99%
+5.0% YoY
|
3.97%
+6.9% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
41.42%
-4.9% YoY
-1.5% QoQ
|
-23.06% |
64.48%
-3.2% YoY
|
70.09%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Top 5.3% in tier |
| Delinquency Rate ? |
0.09%
-64.6% YoY
-33.2% QoQ
|
-0.83% |
0.92%
+15.7% YoY
|
0.54%
-5.2% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
61.33%
-1.2% YoY
-6.0% QoQ
|
-16.62% |
77.95%
+1.0% YoY
|
246.53%
+252.1% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
28.99%
-0.9% YoY
+1.2% QoQ
|
+6.96% |
22.03%
-0.6% YoY
|
24.71%
-0.8% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.05%
-82.8% YoY
-37.1% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.41%
+17.6% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
17.57%
-4.0% YoY
+3.3% QoQ
|
+1.66% |
15.91%
+1.4% YoY
|
20.04%
+15.3% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.17%
+16.5% YoY
+99.3% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.52%
+37.3% YoY
|
0.66%
+5.2% YoY
|
41% |
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 |
29.0%
-0.3pp YoY +0.4pp QoQ |
+6.8pp | 22.1% | 24.7% | 22.2% | 79% |
| 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 |
14.9%
+0.9pp YoY +0.9pp QoQ |
+3.3pp | 11.6% | 16.1% | 12.5% | 75% |
| CRE |
31.9%
-2.4pp YoY -1.7pp QoQ |
-7.7pp | 39.5% | 45.3% | 41.4% | 38% |
| 1-4 Family |
37.8%
+0.9pp YoY +0.4pp QoQ |
+5.1pp | 32.6% | 25.2% | 31.3% | 67% |
| Consumer |
10.1%
-0.4pp YoY +0.1pp QoQ |
+6.0pp | 4.1% | 4.1% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.6%
-0.7pp YoY +0.6pp QoQ |
-1.3pp | 18.8% | 25.5% | 19.7% | 67% |
| Leverage Ratio |
10.8%
0.0pp YoY +0.1pp QoQ |
-1.4pp | 12.2% | 11.6% | 12.6% | 47% |
| Total Capital Ratio |
18.8%
-0.8pp YoY +0.6pp QoQ |
-1.1pp | 19.9% | 26.6% | 20.8% | 67% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
37
+2 (+5.7%) YoY +3 (+8.8%) QoQ |
-22 | 58 | 57 | 482 | 37% |
| Assets per Employee ($) |
$11.4M
-1.0% YoY -4.6% QoQ |
+$3.8M | $7.5M | $8.7M | $8.8M | 91% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 4 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.6% | 1.0% | 17% |
| Allowance Coverage |
15.27x
+182.0% YoY +65.1% QoQ |
-8.89x | 24.15x | 18.30x | 20.23x | 86% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
26.5%
+4.2pp YoY -2.9pp QoQ |
+14.3pp | 12.2% | 9.7% | 11.6% | 97% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 41% |
| Net Income ($, YTD) |
$5.7M
+22.0% YoY — QoQ |
+$3.1M | $2.6M | $3.2M | $40.4M | 90% |
Get Full Access to Bank of Star Valley
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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.