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Wyoming Community Bank

$100M-$1B Specialty: Agricultural WY FDIC cert 35220

Riverton, 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 +6.1% year over year ($234.3M on the books).
  • Delinquency rate 0.31%.
  • Return on assets 1.55%.
  • Efficiency ratio 63.10% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.06% 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) →

Wyoming Community Bank 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

  • + ROA 0.22% above tier average
  • + Net Interest Margin 0.27% above tier average
  • + Efficiency Ratio 1.38% below tier average
  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 25.7% in tier
  • - Capital Thin: Bottom 43.9% in tier
Get updates when Wyoming Community 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 ? $262.4M
+6.8% YoY +2.1% QoQ
-$124.1M $386.6M
+1.2% YoY
$450.2M
+6.6% YoY
$6.3B
+7.7% YoY
39%
Total Loans ? $166.5M
+12.9% YoY +4.5% QoQ
-$91.8M $258.3M
+1.7% YoY
$256.9M
+8.1% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $234.3M
+6.1% YoY +1.7% QoQ
-$92.4M $326.7M
+0.7% YoY
$395.8M
+5.2% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 1.55%
+28.7% YoY +1.0% QoQ
+0.22% 1.32%
+10.8% YoY
1.35%
+50.4% YoY
1.30%
+12.1% YoY
68%
Net Interest Margin ? 4.26%
+7.3% YoY +0.6% QoQ
+0.27% 3.99%
+5.0% YoY
3.97%
+6.9% YoY
3.95%
+4.9% YoY
68%
Efficiency Ratio ? 63.10%
-6.6% YoY +0.1% QoQ
-1.38% 64.48%
-3.2% YoY
70.09%
-6.6% YoY
70.05%
+2.5% YoY
48%
Delinquency Rate ? 0.31%
+62.5% YoY -59.5% QoQ
-0.60% 0.92%
+15.7% YoY
0.54%
-5.2% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 71.06%
+6.4% YoY +2.8% QoQ
-6.89% 77.95%
+1.0% YoY
246.53%
+252.1% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 25.47%
-1.0% YoY +2.5% QoQ
+3.44% 22.03%
-0.6% YoY
24.71%
-0.8% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.47%
+302.5% YoY -8.6% QoQ
-0.20% 0.67%
+16.4% YoY
0.41%
+17.6% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 9.52%
+3.1% YoY +1.7% QoQ
-6.39% 15.91%
+1.4% YoY
20.04%
+15.3% YoY
17.09%
+0.8% YoY
Bottom 4.9% in tier
Non-Interest Income / Assets ? 0.20%
-6.9% YoY +81.9% QoQ
-0.37% 0.57%
+7.6% YoY
0.52%
+37.3% YoY
0.66%
+5.2% YoY
49%

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 25.5%
-0.2pp YoY
+0.6pp QoQ
 +3.3pp 22.1% 24.7% 22.2% 67%
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 12.7%
-2.3pp YoY
-2.0pp QoQ
 +1.2pp 11.6% 16.1% 12.5% 67%
CRE 25.9%
-6.6pp YoY
-3.6pp QoQ
 -13.7pp 39.5% 45.3% 41.4% 28%
1-4 Family 29.7%
+6.8pp YoY
+0.9pp QoQ
 -3.0pp 32.6% 25.2% 31.3% 50%
Consumer 7.0%
-1.0pp YoY
0.0pp QoQ
 +2.9pp 4.1% 4.1% 5.0% 86%

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%
+0.3pp YoY
+0.2pp QoQ
 -2.7pp 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 39
0 YoY
0 QoQ
 -20 58 57 482 40%
Assets per Employee ($) $6.7M
+6.8% YoY
+2.1% QoQ
 -$789K $7.5M $8.7M $8.8M 47%
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%
+0.1pp YoY
-0.5pp QoQ
 -0.6pp 0.9% 0.6% 1.0% 39%
Allowance Coverage 4.37x
-38.9% YoY
+139.5% QoQ
 -19.78x 24.15x 18.30x 20.23x 67%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 45%

Profitability

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
ROE 19.6%
+2.2pp YoY
+0.1pp QoQ
 +7.4pp 12.2% 9.7% 11.6% 87%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 40%
Net Income ($, YTD) $2.0M
+37.2% YoY
— QoQ
 -$558K $2.6M $3.2M $40.4M 52%

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
#324 of 1256 • Bottom 25.7% in tier

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

Why this signature
Delinquency Rate: 0.31%
(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

Capital Thin

risk
#291 of 661 • Bottom 43.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.52%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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 (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2514
Tier 1 Capital Ratio
capital
Value: 9.52%
Peer Median: 15.91%
#2514 of 2643 Bottom 4.9% in $100M-$1B
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