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The Converse County Bank

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Douglas, WY $1B to $10B in assets Est. January 1, 1918 FDIC #12591 RSSD #72258 Routing #102301542 FDIC

Data as of · sourced from FFIEC call reports. How we update

The Converse County Bank is an FDIC-insured commercial bank headquartered in Douglas, WY, established in 1918 (FDIC certificate 12591), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.09B, up 6.2% from Q2 2025, the 3rd largest of 24 banks headquartered in Wyoming. Its CET1 capital ratio was 27.51% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.

Charter
Commercial bank
Regulator
FDIC
Deposit insurance
FDIC
FDIC certificate
12591
Headquarters
Douglas, WY
Established
1918
Total assets, Q2 2026
$1.09B
Assets vs Q2 2025
+6.2%
CET1 ratio, Q2 2026
27.51%
Domestic offices
3 FDIC institution directory, current count
Routing number
102301542
Asset rank in state
3rd of 24 in Wyoming
Assets
$1.09B
Deposits
$982.6M
Loans
$309.3M
Equity
$104.8M

The Converse County Bank runs leaner than most banks of its size. Its balance sheet stood at $1.1 billion at June 30, 2026, up 6.2% from a year earlier; it is based in Douglas, Wyoming. It spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it keeps 2.31 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).

Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.05% of loans from 1.67%. Its $108 million commercial and industrial book is now fully current, after 3.68% of it was past due or on nonaccrual a year earlier. Funding is the softer spot: it pays an average of 2.50% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).

As of June 30, 2026, The Converse County Bank reported a CET1 capital ratio of 27.51%, a return on assets of 1.36%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.13%. The figures come from its call report filed with the FFIEC.

By total assets at Q2 2026, The Converse County Bank is the 3rd largest of the 24 banks headquartered in Wyoming. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $1.09B, loans rose 1.5% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 34.8% of total loans, ahead of 1-4 family residential loans at 18.6%. Its 3 offices in the FDIC Summary of Deposits are in Douglas, WY. By the capital ratios in its Q2 2026 call report, The Converse County Bank meets every capital ratio test for well capitalized.

Headquarters Profile

Address
332 E Walnut St, Douglas, WY 82633
County
Converse
Charter
Commercial bank, state charter, Fed non-member, FDIC-supervised
Primary Regulator
FDIC
FDIC Region
San Francisco (Region 14)
Federal Reserve member
No
Federal Reserve district
District 10, Kansas City
Fiduciary (trust) powers
Full trust powers granted
Call Report form
FFIEC 051
Established
January 1, 1918
Domestic offices
3 FDIC institution directory, current count
Employees (FTE)
63
Domestic deposits
$982.6M
Allowance for credit losses
$3.4M
Net charge-offs (YTD)
$2K
Average total assets
$1.09B
Average total loans
$307.4M
Average interest-bearing deposits
$852.1M
Tax status
Subchapter S
Ownership
Stock
Community bank
Yes
FDIC-insured since
January 1, 1934
FDIC Cert
12591
Fed RSSD
72258

Profitability

Q2 annualized
Return on Assets1.36%YTD 1.26%
Return on Equity14.35%YTD 13.37%
Net Interest Margin2.31%YTD 2.28%

Balance Sheet

Total liabilities$988.5M
Cash & balances due$215.1M
Securities, available-for-sale$247.0M
Securities, held-to-maturity$313.0M
Goodwill & intangibles$0

Income Statement

Net income Q2$3.7M
Net interest income YTD$11.0M
Total interest income YTD$23.2M
Total interest expense YTD$12.2M
Provision for credit losses YTD$285K

Operating & Funding

Total noninterest income YTD$2.1M
Total noninterest expense YTD$5.9M

Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures

Quarterly trends

From Q3 2023 to Q2 2026, The Converse County Bank's total assets ranged from $894.4M (Q3 2023) to $1.09B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built

Total assets and total liabilities

$1.09B total assets against $1.03B; $988.5M total liabilities against $932.8M.

Loans and leases against deposits

$305.9M net loans and leases against $293.9M; $982.6M total deposits against $927.6M.

Securities and cash

$560.0M securities against $546.9M; $215.1M cash and balances due against $176.4M.

Interest income against interest expense

$11.8M total interest income against $11.6M; $6.1M total interest expense against $6.0M.

Net interest income

$5.6M net interest income against $5.7M.

Noninterest income against noninterest expense

$1.1M total noninterest income against $1.0M; $2.8M total noninterest expense against $2.9M.

Provision for credit losses

$135K provision for credit losses against $150K.

Net income

$3.7M net income against $3.6M.

Return on assets and net interest margin

1.36% return on assets against 1.42%; 2.31% net interest margin against 2.43%.

CET1 and Tier 1 leverage ratios

27.51% CET1 capital ratio against 27.21%; 9.57% tier 1 leverage ratio against 9.59%.

Inside the full The Converse County Bank terminal

21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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Watch flags

Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.

Unrealized HTM losses at 11% of equity BRR analysis What does this mean? →

Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.

Quarterly trend: last 8 quarters

From Q3 2024 to Q2 2026, its return on assets ran from 0.31% (Q4 2025) to 1.62% (Q3 2024) and its net interest margin ran from 2.24% (Q1 2026) to 2.81% (Q3 2024).

Quarter CET1 ROA NPL Texas NIM
Q2 2026 27.51% 1.36% 0.05% 0.13% 2.31%
Q1 2026 27.48% 1.17% 0.05% 0.14% 2.24%
Q4 2025 27.16% 0.31% 0.32% 0.96% 2.30%
Q3 2025 27.61% 1.41% 1.54% 4.49% 2.44%
Q2 2025 27.21% 1.42% 1.67% 4.96% 2.43%
Q1 2025 28.23% 1.44% 1.65% 4.64% 2.47%
Q4 2024 23.45% 1.50% 1.64% 4.65% 2.64%
Q3 2024 27.57% 1.62% 1.66% 4.72% 2.81%

Swipe the table sideways to see every column.

Branch Network

View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.

1–3 of 3
Branch Location ZIP Deposits
The Converse County Bank Douglas , WY 82633 $982.6M
Richards Branch Douglas , WY 82633 $0
Yellowstone Branch Douglas , WY 82633 $0

Regulatory record

Facts as filed or published, not a rating.

Deposit market share
4.5% of deposits in WY, rank 7 of 44 institutions
Period: June 30, 2026. Source: FDIC Summary of Deposits.
SBA 7(a) lending
1 loans, $1.4M approved, $1.4M average. 0.00% of that year's loans have since been charged off
Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
Not on file
Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources

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The Converse County Bank: regulatory capital profile · BankRegReports

Frequently asked about The Converse County Bank

What are The Converse County Bank's total assets?

As of the Q2 2026 filing, The Converse County Bank reported total assets of $1.09 billion in its FFIEC call report.

Where is The Converse County Bank headquartered?

It is headquartered in Douglas, WY, United States.

When was The Converse County Bank founded?

It was established in 1918, per the FDIC institution directory.

Is The Converse County Bank FDIC-insured?

Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12591). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates The Converse County Bank?

The Converse County Bank's primary federal regulator is the FDIC.

What is The Converse County Bank's CET1 capital ratio?

It reported a Common Equity Tier 1 (CET1) capital ratio of 27.51% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.

How many branches does The Converse County Bank operate?

It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.

What is The Converse County Bank's Texas Ratio?

Its Texas Ratio is 0.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.

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