BlastPoint's Banking Scorecard

Jonah Bank of Wyoming

$100M-$1B Specialty: Commercial WY FDIC cert 58396

Casper, WY

4 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 +7.1% year over year ($508.0M on the books).
Delinquency rate 0.00%.
Return on assets 2.05%.
Efficiency ratio 51.12% vs a 64.48% peer average.
Loan-to-deposit ratio 76.48% 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) →

Jonah Bank of Wyoming has 6 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 35.8% in tier
+ Profitability Leader: Top 45.1% in tier
+ Deposit Franchise: Top 69.1% in tier
+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 13.36% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 43.1% in tier

Get updates when Jonah Bank of Wyoming releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Total Assets ?	$562.8M +6.7% YoY -1.0% QoQ	+$176.2M	$386.6M +1.2% YoY	$450.2M +6.6% YoY	$6.3B +7.7% YoY	77%
Total Loans ?	$388.5M +11.4% YoY +0.8% QoQ	+$130.2M	$258.3M +1.7% YoY	$256.9M +8.1% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$508.0M +7.1% YoY -0.7% QoQ	+$181.2M	$326.7M +0.7% YoY	$395.8M +5.2% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	2.05% +11.9% YoY +4.6% QoQ	+0.73%	1.32% +10.8% YoY	1.35% +50.4% YoY	1.30% +12.1% YoY	Top 12.0% in tier
Net Interest Margin ?	4.96% +6.1% YoY +1.5% QoQ	+0.98%	3.99% +5.0% YoY	3.97% +6.9% YoY	3.95% +4.9% YoY	Top 8.5% in tier
Efficiency Ratio ?	51.12% -4.5% YoY -2.2% QoQ	-13.36%	64.48% -3.2% YoY	70.09% -6.6% YoY	70.05% +2.5% YoY	81%
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	0.54% -5.2% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	76.48% +4.0% YoY +1.5% QoQ	-1.47%	77.95% +1.0% YoY	246.53% +252.1% YoY	79.03% +2.3% YoY	57%
Non-Interest-Bearing Deposit Share ?	29.78% -3.0% YoY -4.4% QoQ	+7.75%	22.03% -0.6% YoY	24.71% -0.8% YoY	21.98% -0.6% YoY	81%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +16.4% YoY	0.41% +17.6% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.59% -5.0% YoY -2.7% QoQ	-6.32%	15.91% +1.4% YoY	20.04% +15.3% YoY	17.09% +0.8% YoY	Bottom 5.8% in tier
Non-Interest Income / Assets ?	0.43% +1.6% YoY +114.7% QoQ	-0.14%	0.57% +7.6% YoY	0.52% +37.3% YoY	0.66% +5.2% YoY	Top 12.7% in tier

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	29.8% -0.9pp YoY -1.4pp QoQ	+7.6pp	22.1%	24.7%	22.2%	81%
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	20.3% +1.8pp YoY +0.5pp QoQ	+8.8pp	11.6%	16.1%	12.5%	89%
CRE	54.9% -2.7pp YoY -1.4pp QoQ	+15.3pp	39.5%	45.3%	41.4%	78%
1-4 Family	18.1% +0.1pp YoY -0.4pp QoQ	-14.6pp	32.6%	25.2%	31.3%	26%
Consumer	0.6% 0.0pp YoY +0.1pp QoQ	-3.5pp	4.1%	4.1%	5.0%	19%

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	9.6% -0.5pp YoY -0.3pp QoQ	-2.6pp	12.2%	11.6%	12.6%	23%
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	88 +4 (+4.8%) YoY +2 (+2.3%) QoQ	+29	58	57	482	82%
Assets per Employee ($)	$6.4M +1.8% YoY -3.3% QoQ	-$1.1M	$7.5M	$8.7M	$8.8M	41%
Branch Count	4 0 YoY 0 QoQ	-1	4	4	18	42%

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	n/a	n/a	0.9%	0.6%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.30x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	30%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
ROE	22.7% +2.2pp YoY +1.0pp QoQ	+10.5pp	12.2%	9.7%	11.6%	93%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	15%
Net Income ($, YTD)	$5.8M +19.0% YoY — QoQ	+$3.2M	$2.6M	$3.2M	$40.4M	91%

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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 (3)

Revenue Diversifier

growth

#238 of 661 • Top 35.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.43%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.05%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Profitability Leader

growth

#299 of 661 • Top 45.1% in tier

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

Why this signature

Return on Assets: 2.05%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Deposit Franchise

growth

#193 of 278 • Top 69.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 29.78%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.96%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Capital Thin

risk

#286 of 661 • Bottom 43.1% 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: 9.59%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 2643 peers in $100M-$1B

Top Strengths (10 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

225

Net Interest Margin

profitability

Value: 4.96%

Peer Median: 3.99%

#225 of 2643 Top 8.5% in $100M-$1B

319

Return on Assets

profitability

Value: 2.05%

Peer Median: 1.32%

#319 of 2643 Top 12.0% in $100M-$1B

337

Non-Interest Income / Assets

revenue_mix

Value: 0.43%

Peer Median: 0.57%

#337 of 2643 Top 12.7% in $100M-$1B

494

Non-Interest-Bearing Deposit Share

funding

Value: 29.78%

Peer Median: 22.03%

#494 of 2643 Top 18.7% in $100M-$1B

507

Efficiency Ratio

profitability

Value: 51.12%

Peer Median: 64.48%

#507 of 2643 Top 19.1% in $100M-$1B

511

Total Deposits

size

Value: $507.96M

Peer Median: $326.73M

#511 of 2643 Top 19.3% in $100M-$1B

580

Total Loans

size

Value: $388.50M

Peer Median: $258.35M

#580 of 2643 Top 21.9% in $100M-$1B

598

Total Assets

size

Value: $562.80M

Peer Median: $386.57M

#598 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (1 metrics)

2490

Tier 1 Capital Ratio

capital

Value: 9.59%

Peer Median: 15.91%

#2490 of 2643 Bottom 5.8% in $100M-$1B