| Metric | Wyoming Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +6.1% | +4.0% | +2.1 pts |
| Loan growth (YoY) | +12.9% | +5.6% | +7.3 pts |
| ROA | 1.55% | 1.24% | +0.3 pts |
| ROE | 19.6% | 11.9% | +7.7 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $262.4M | $234.3M | $166.5M | $21.0M | $2.0M | 1.55% | 4.26% | 0.47% |
| Q1 2026 | $256.9M | $230.4M | $159.3M | $20.2M | $980K | 1.53% | 4.23% | 0.51% |
| Q4 2025 | $255.0M | $226.5M | $159.6M | $20.0M | $3.1M | 1.24% | 4.12% | 0.48% |
| Q3 2025 | $251.9M | $225.7M | $150.8M | $19.2M | $2.3M | 1.25% | 4.05% | 0.11% |
| Q2 2025 | $245.8M | $220.9M | $147.5M | $17.3M | $1.5M | 1.20% | 3.97% | 0.12% |
| Q1 2025 | $244.8M | $220.0M | $143.0M | $17.1M | $744K | 1.24% | 3.87% | 0.02% |
| Q4 2024 | $236.1M | $209.9M | $140.6M | $15.7M | $1.6M | 0.68% | 3.58% | 0.00% |
| Q3 2024 | $234.9M | $207.3M | $137.4M | $17.9M | $1.4M | 0.79% | 3.46% | 0.01% |
Loan mix (Q2 2026): real estate $115.4M · commercial $21.2M · consumer $11.7M · securities $79.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Wyoming Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 62.9% | 51st |
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 | Wyoming Community 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% |
| Ratio | Wyoming Community Bank | 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 | Wyoming Community 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% |
| Ratio | Wyoming Community 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% |
| Ratio | Wyoming Community Bank | 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 2024) · $220.9M branch deposits. Biggest market: Fremont, WY, ranked 2nd with 17.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fremont, WY | 3 | $220.9M | 17.04% | 2nd |
Wyoming: 32nd with 0.89% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3