BlastPoint

BlastPoint's Banking Scorecard

State Bank

$100M-$1B Specialty: Commercial WY FDIC cert 34441

Green River, 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 +20.0% year over year ($104.0M on the books).
  • Delinquency rate 0.34%.
  • Return on assets 1.09%.
  • Efficiency ratio 65.49% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 17 in WY
View $100M-$1B leaderboard (WY) →

State Bank has 2 strengths but faces 4 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

  • + Net Interest Margin 0.43% above tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 43.4% in tier
  • - NIB Deposit Bleed: Bottom 74.1% in tier
  • - ROA 0.23% below tier average
  • - Efficiency Ratio 1.01% above tier average
Get updates when State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Total Assets ? $115.4M
+18.3% YoY +2.8% QoQ
-$271.2M $386.6M
+1.2% YoY
$450.2M
+6.6% YoY
$6.3B
+7.7% YoY
Bottom 4.3% in tier
Total Loans ? $91.3M
+19.5% YoY +0.1% QoQ
-$167.1M $258.3M
+1.7% YoY
$256.9M
+8.1% YoY
$3.2B
+9.4% YoY
15%
Total Deposits ? $104.0M
+20.0% YoY +3.0% QoQ
-$222.7M $326.7M
+0.7% YoY
$395.8M
+5.2% YoY
$4.9B
+7.3% YoY
Bottom 6.5% in tier
Return on Assets ? 1.09%
+40.8% YoY +13.3% QoQ
-0.23% 1.32%
+10.8% YoY
1.35%
+50.4% YoY
1.30%
+12.1% YoY
40%
Net Interest Margin ? 4.42%
-0.6% YoY +0.6% QoQ
+0.43% 3.99%
+5.0% YoY
3.97%
+6.9% YoY
3.95%
+4.9% YoY
76%
Efficiency Ratio ? 65.49%
-11.9% YoY -1.5% QoQ
+1.01% 64.48%
-3.2% YoY
70.09%
-6.6% YoY
70.05%
+2.5% YoY
41%
Delinquency Rate ? 0.34%
-0.7% QoQ
-0.58% 0.92%
+15.7% YoY
0.54%
-5.2% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 87.78%
-0.4% YoY -2.9% QoQ
+9.82% 77.95%
+1.0% YoY
246.53%
+252.1% YoY
79.03%
+2.3% YoY
31%
Non-Interest-Bearing Deposit Share ? 19.31%
-13.5% YoY +17.3% QoQ
-2.72% 22.03%
-0.6% YoY
24.71%
-0.8% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.27%
-3.4% QoQ
-0.40% 0.67%
+16.4% YoY
0.41%
+17.6% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 9.54%
-7.2% YoY -0.6% QoQ
-6.37% 15.91%
+1.4% YoY
20.04%
+15.3% YoY
17.09%
+0.8% YoY
Bottom 5.4% in tier
Non-Interest Income / Assets ? 0.32%
+53.9% YoY +112.0% QoQ
-0.25% 0.57%
+7.6% YoY
0.52%
+37.3% YoY
0.66%
+5.2% YoY
75%

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 19.3%
-3.0pp YoY
+2.8pp QoQ
 -2.8pp 22.1% 24.7% 22.2% 42%
Brokered Deposits 4.8%
+0.2pp YoY
-0.1pp QoQ
 -3.0pp 7.9% 12.5% 8.5% 50%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
C&I 17.8%
-3.1pp YoY
-2.0pp QoQ
 +6.3pp 11.6% 16.1% 12.5% 84%
CRE 58.3%
-3.0pp YoY
+1.8pp QoQ
 +18.8pp 39.5% 45.3% 41.4% 82%
1-4 Family 23.2%
+6.2pp YoY
-0.2pp QoQ
 -9.5pp 32.6% 25.2% 31.3% 37%
Consumer 1.5%
-0.3pp YoY
0.0pp QoQ
 -2.6pp 4.1% 4.1% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 25.5% 19.7% n/a
Leverage Ratio 9.5%
-0.7pp YoY
-0.1pp QoQ
 -2.6pp 12.2% 11.6% 12.6% 22%
Total Capital Ratio n/a n/a 19.9% 26.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Full-Time Employees 17
-3 (-15.0%) YoY
-1 (-5.6%) QoQ
 -42 58 57 482 7%
Assets per Employee ($) $6.8M
+39.1% YoY
+8.9% QoQ
 -$730K $7.5M $8.7M $8.8M 48%
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 0.3%
0.0pp QoQ
 -0.6pp 0.9% 0.6% 1.0% 42%
Allowance Coverage 4.02x
+5.8% QoQ
 -20.13x 24.15x 18.30x 20.23x 65%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
ROE 11.5%
+4.2pp YoY
+1.4pp QoQ
 -0.7pp 12.2% 9.7% 11.6% 46%
Cost of Funds (YTD) 2.4%
0.0pp YoY
+0.1pp QoQ
 +0.6pp 1.7% 1.6% 1.7% 86%
Net Income ($, YTD) $606,000
+75.7% YoY
— QoQ
 -$1.9M $2.6M $3.2M $40.4M 13%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#546 of 1256 • Bottom 43.4% in tier

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

Why this signature
Delinquency Rate: 0.34%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#121 of 162 • Bottom 74.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 19.31%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

648
Net Interest Margin
profitability
Value: 4.42%
Peer Median: 3.99%
#648 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (4 metrics)

2530
Total Assets
size
Value: $115.39M
Peer Median: $386.57M
#2530 of 2643 Bottom 4.3% in $100M-$1B
2501
Tier 1 Capital Ratio
capital
Value: 9.54%
Peer Median: 15.91%
#2501 of 2643 Bottom 5.4% in $100M-$1B
2471
Total Deposits
size
Value: $103.99M
Peer Median: $326.73M
#2471 of 2643 Bottom 6.5% in $100M-$1B
2244
Total Loans
size
Value: $91.28M
Peer Median: $258.35M
#2244 of 2643 Bottom 15.1% in $100M-$1B
Powered by BlastPoint © 2026