Bank Comparison
Wyoming Community Bank vs Mi Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Wyoming Community Bank | Mi Bank |
|---|---|---|
| CET1 Ratio | — | 10.36% |
| Tier 1 Capital Ratio | — | 10.36% |
| Total Capital Ratio | — | 11.55% |
| Tier 1 Leverage Ratio | 9.36% | 8.49% |
| Equity / Assets | 7.84% | 8.66% |
Profitability
| Metric | Wyoming Community Bank | Mi Bank |
|---|---|---|
| Return on Assets (ROA) | 1.49% | 1.03% |
| Return on Equity (ROE) | 19.51% | 12.20% |
| Net Interest Margin (NIM) | 4.14% | 3.48% |
| Yield on Earning Assets | 5.66% | 6.04% |
| Cost of Funds | 1.62% | 2.65% |
Asset quality
| Metric | Wyoming Community Bank | Mi Bank |
|---|---|---|
| Texas Ratio | 5.85% | 1.68% |
| Non-Performing Loan Ratio | 0.77% | 0.21% |
| Non-Performing Asset Ratio | 0.51% | 0.16% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.40% | 1.18% |
Balance sheet
| Metric | Wyoming Community Bank | Mi Bank |
|---|---|---|
| Total Assets | $256,941K | $256,937K |
| Total Deposits | $230,448K | $232,911K |
| Total Loans | $161,527K | $198,155K |
| Total Equity | $20,157K | $22,257K |
| Net Income (quarter) | $980 | $669 |
Liquidity & funding
| Metric | Wyoming Community Bank | Mi Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.09% | 85.08% |
| Core Deposit Ratio | 92.79% | 97.37% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Wyoming Community Bank | Mi Bank |
|---|---|---|
| Headquarters City | RIVERTON | BLOOMFIELD TOWNSHIP |
| Headquarters State | WY | MI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 39 | 19 |
| Established | June 14, 1999, midnight | April 15, 2019, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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