| Metric | Bank of Star Valley | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 2.77% | 1.24% | +1.5 pts |
| ROE | 26.5% | 11.9% | +14.6 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $420.0M | $368.9M | $226.3M | $43.6M | $5.7M | 2.77% | 4.35% | 0.05% |
| Q1 2026 | $404.5M | $354.6M | $231.4M | $42.5M | $3.1M | 3.08% | 4.35% | 0.08% |
| Q4 2025 | $401.5M | $350.9M | $227.2M | $41.9M | $9.7M | 2.44% | 4.35% | 0.25% |
| Q3 2025 | $395.6M | $344.7M | $224.3M | $42.8M | $7.2M | 2.41% | 4.28% | 0.25% |
| Q2 2025 | $401.4M | $351.4M | $218.0M | $41.1M | $4.6M | 2.31% | 4.14% | 0.28% |
| Q1 2025 | $403.6M | $345.7M | $216.4M | $42.9M | $2.1M | 2.10% | 3.96% | 0.17% |
| Q4 2024 | $396.8M | $340.2M | $214.8M | $40.7M | $7.5M | 1.90% | 3.47% | 0.15% |
| Q3 2024 | $409.2M | $354.2M | $214.9M | $41.7M | $5.2M | 1.74% | 3.33% | 0.01% |
Loan mix (Q2 2026): real estate $169.5M · commercial $33.7M · consumer $22.9M · securities $150.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Star Valley | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.77% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 26.5% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.4% | 62.9% | 5th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Star Valley | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Star Valley | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Star Valley | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Star Valley | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Star Valley | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2025) · $368.9M branch deposits. Biggest market: Lincoln, WY, ranked 1st with 49.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lincoln, WY | 3 | $368.9M | 49.88% | 1st |
Wyoming: 21st with 1.41% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Spends 1.7× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).