BlastPoint's Banking Scorecard

Jonah Bank of Wyoming

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

Casper, WY

4 branches across WY

2664 banks in the $100M-$1B peer group nationally 17 in WY

Jonah Bank of Wyoming shows strong momentum with 6 strengths and 7.5% YoY asset growth

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 39.3% in tier
+ Profitability Leader: Top 47.9% in tier
+ Deposit Franchise: Top 64.7% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 13.01% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Total Assets ?	$568.5M +7.5% YoY +1.8% QoQ	+$182.4M	$386.1M +0.5% YoY	$445.8M +4.9% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$385.3M +12.5% YoY +5.4% QoQ	+$129.6M	$255.7M +1.1% YoY	$250.1M +8.7% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$511.5M +7.6% YoY +1.3% QoQ	+$183.5M	$328.0M +0.1% YoY	$397.2M +4.6% YoY	$4.8B +8.2% YoY	81%
Return on Assets ?	1.96% +17.6% YoY +2.1% QoQ	+0.69%	1.27% +12.9% YoY	1.18% +46.8% YoY	1.23% +13.4% YoY	Top 13.3% in tier
Net Interest Margin ?	4.89% +8.0% YoY +3.2% QoQ	+0.96%	3.93% +6.0% YoY	3.82% +5.9% YoY	3.89% +5.7% YoY	Top 8.9% in tier
Efficiency Ratio ?	52.28% -6.1% YoY +0.5% QoQ	-13.01%	65.29% -4.5% YoY	71.89% -9.4% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.47% -19.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	75.32% +4.5% YoY +4.0% QoQ	-1.32%	76.64% +0.8% YoY	68.79% +12.9% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	31.17% -2.8% YoY +9.5% QoQ	+9.15%	22.02% -1.0% YoY	24.89% +11.1% YoY	22.01% -1.2% YoY	85%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.38% +6.8% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.85% -2.4% YoY +5.0% QoQ	-5.98%	15.83% +1.5% YoY	19.62% +12.7% YoY	17.06% +0.8% YoY	Bottom 8.0% in tier
Non-Interest Income / Assets ?	0.20% +12.4% YoY -75.6% QoQ	-0.08%	0.28% +9.3% YoY	0.21% +17.8% YoY	0.32% +4.1% YoY	Top 14.4% in tier

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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

#263 of 666 • Top 39.3% 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: 0.20%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.96%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#320 of 666 • Top 47.9% in tier

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

Why this signature

Return on Assets: 1.96%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#177 of 272 • Top 64.7% 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: 31.17%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.89%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (10 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

238

Net Interest Margin

profitability

Value: 4.89%

Peer Median: 3.93%

#238 of 2664 Top 8.9% in $100M-$1B

355

Return on Assets

profitability

Value: 1.96%

Peer Median: 1.27%

#355 of 2664 Top 13.3% in $100M-$1B

385

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#385 of 2664 Top 14.4% in $100M-$1B

410

Non-Interest-Bearing Deposit Share

funding

Value: 31.17%

Peer Median: 22.02%

#410 of 2664 Top 15.4% in $100M-$1B

514

Total Deposits

size

Value: $511.52M

Peer Median: $327.97M

#514 of 2664 Top 19.3% in $100M-$1B

540

Efficiency Ratio

profitability

Value: 52.28%

Peer Median: 65.29%

#540 of 2664 Top 20.2% in $100M-$1B

582

Total Loans

size

Value: $385.27M

Peer Median: $255.72M

#582 of 2664 Top 21.8% in $100M-$1B

586

Total Assets

size

Value: $568.50M

Peer Median: $386.08M

#586 of 2664 Top 22.0% in $100M-$1B

Top Weaknesses (1 metrics)

2452

Tier 1 Capital Ratio

capital

Value: 9.85%

Peer Median: 15.83%

#2452 of 2664 Bottom 8.0% in $100M-$1B