BlastPoint's Banking Scorecard
State Bank
Green River, WY
3 branches across WY
State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.46% above tier average
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 42.7% in tier
- - ROA 0.30% below tier average
- - Efficiency Ratio 1.20% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$112.2M
+28.0% YoY
+6.8% QoQ
|
-$273.9M |
$386.1M
+0.5% YoY
|
$445.8M
+4.9% YoY
|
$6.2B
+9.1% YoY
|
Bottom 3.4% in tier |
| Total Loans ? |
$91.2M
+24.4% YoY
+3.6% QoQ
|
-$164.5M |
$255.7M
+1.1% YoY
|
$250.1M
+8.7% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$100.9M
+30.9% YoY
+7.2% QoQ
|
-$227.0M |
$328.0M
+0.1% YoY
|
$397.2M
+4.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.9% in tier |
| Return on Assets ? |
0.96%
+58.1% YoY
+6.8% QoQ
|
-0.30% |
1.27%
+12.9% YoY
|
1.18%
+46.8% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
4.39%
-1.2% YoY
-4.9% QoQ
|
+0.46% |
3.93%
+6.0% YoY
|
3.82%
+5.9% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
66.49%
-14.8% YoY
-5.6% QoQ
|
+1.20% |
65.29%
-4.5% YoY
|
71.89%
-9.4% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? | 0.34% | -0.55% |
0.89%
+18.8% YoY
|
0.47%
-19.3% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
90.39%
-5.0% YoY
-3.4% QoQ
|
+13.75% |
76.64%
+0.8% YoY
|
68.79%
+12.9% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
16.47%
-12.9% YoY
-4.5% QoQ
|
-5.55% |
22.02%
-1.0% YoY
|
24.89%
+11.1% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? | 0.28% | -0.36% |
0.64%
+19.7% YoY
|
0.38%
+6.8% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
9.60%
-12.5% YoY
-1.0% QoQ
|
-6.23% |
15.83%
+1.5% YoY
|
19.62%
+12.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.6% in tier |
| Non-Interest Income / Assets ? |
0.15%
+183.6% YoY
-69.7% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.21%
+17.8% YoY
|
0.32%
+4.1% YoY
|
73% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.