State Bank
Total assets
$115.4M
▲ +18.3% YoY
Deposits
$104.0M
▲ +20.0% YoY
Loans
$91.3M
▲ +19.5% YoY
Offices
3
SBWY FINANCIAL CORP
ROA (annualized)
1.09%
peers 1.24%
ROE (annualized)
11.50%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.3% | +4.4% | +13.9 pts |
| Deposit growth (YoY) | +20.0% | +4.0% | +16.0 pts |
| Loan growth (YoY) | +19.5% | +5.6% | +13.9 pts |
| ROA | 1.09% | 1.24% | -0.1 pts |
| ROE | 11.5% | 11.9% | -0.4 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
Profile
- Established
- 1997
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SBWY FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 30 Shoshone Ave, Green River, WY, 82935
- County
- Sweetwater
- Metro area
- Rock Springs, WY
- Offices
- 3
- FDIC cert #
- 34441
- RSSD ID
- 2602828
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115.4M | $104.0M | $91.3M | $10.9M | $606K | 1.09% | 4.42% | 0.27% |
| Q1 2026 | $112.2M | $100.9M | $91.2M | $10.5M | $262K | 0.96% | 4.39% | 0.28% |
| Q4 2025 | $105.0M | $94.1M | $88.1M | $10.3M | $861K | 0.90% | 4.62% | 0.00% |
| Q3 2025 | $104.8M | $93.6M | $84.2M | $10.0M | $732K | 1.05% | 4.56% | 0.00% |
| Q2 2025 | $97.6M | $86.7M | $76.4M | $9.6M | $345K | 0.78% | 4.44% | 0.00% |
| Q1 2025 | $87.7M | $77.1M | $73.3M | $9.4M | $129K | 0.61% | 4.45% | 0.00% |
| Q4 2024 | $81.4M | $71.2M | $67.7M | $9.3M | $119K | 0.17% | 4.27% | 0.00% |
| Q3 2024 | $77.0M | $66.9M | $61.3M | $9.2M | $51K | 0.10% | 4.26% | 0.00% |
Loan mix (Q2 2026): real estate $74.8M · commercial $16.3M · consumer $1.4M · securities $12.1M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.96% | 74th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 62.9% | 58th | |
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% |
Balance sheet
| Ratio | State Bank | 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% |
Capital
| Ratio | State Bank | 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% |
Credit quality
| Ratio | State Bank | 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% |
Franchise
| Ratio | State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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