State Bank (Green River, WY)
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Data as of · sourced from FFIEC call reports. How we update
State Bank is an FDIC-insured commercial bank headquartered in Green River, WY, established in 1997 (FDIC certificate 34441), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $115.4M, up 18.3% from Q2 2025, the 20th largest of 24 banks headquartered in Wyoming. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34441
- Headquarters
- Green River, WY
- Established
- 1997
- Total assets, Q2 2026
- $115.4M
- Assets vs Q2 2025
- +18.3%
- Tier 1 leverage ratio, Q2 2026
- 9.54%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 102306479
- Holding company
- SBWY FINANCIAL CORPORATION
- Asset rank in state
- 20th of 24 in Wyoming
Problem loans are rising at State Bank. Based in Green River, Wyoming, it had $115 million in assets at June 30, 2026, up 18.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.34% of loans from 0.00% a year earlier. It grew its loan book 19.7% over the year, 3.6 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.51% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $344,000, 59% above the same quarter a year earlier. Delinquency has appeared in its $17 million non-owner-occupied commercial real estate book: 1.79% of those loans are past due or on nonaccrual, against almost none a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, State Bank reported a return on assets of 1.21%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 2.56%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank is the 20th largest of the 24 banks headquartered in Wyoming. From Q1 2026 to Q2 2026, its total assets rose 2.8% to $115.4M, loans rose 0.1% and deposits rose 3.0%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 27.8% of total loans, ahead of 1-4 family residential loans at 22.8%. The FDIC Summary of Deposits lists 3 offices for it, in Green River, WY, Evanston, WY and Rock Springs, WY; its Green River office books 46% of its branch deposits. On its Q2 2026 call report, State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 30 Shoshone Ave, Green River, WY 82935
- County
- Sweetwater
- Metro Area
- Rock Springs, WY
- 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
- —
- Call Report form
- FFIEC 051
- Established
- August 18, 1997
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $104.0M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $113.8M
- Average total loans
- $91.8M
- Average interest-bearing deposits
- $83.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 18, 1997
- FDIC Cert
- 34441
- Fed RSSD
- 2602828
- SEC CIK
- 1841139 → filed by SBWY FINANCIAL CORPORATION
- Website
- statebankwy.com →
- Parent Holding Company
- SBWY FINANCIAL CORPORATION (RSSD 5554713)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
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. As a community bank leverage ratio filer, State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
State Bank's total assets moved between a low of $53.1M (Q3 2023) and a high of $115.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$115.4M total assets against $97.6M; $104.5M total liabilities against $87.9M.
$91.3M net loans and leases against $76.4M; $104.0M total deposits against $86.7M.
$12.1M securities against $9.4M; $7.4M cash and balances due against $7.1M.
$1.8M total interest income against $1.5M; $641K total interest expense against $513K.
$1.2M net interest income against $964K.
$197K total noninterest income against $154K; $885K total noninterest expense against $796K.
$61K provision for credit losses against $56K.
$344K net income against $216K.
1.21% return on assets against 0.92%; 4.33% net interest margin against 4.36%.
9.54% tier 1 leverage ratio against 10.28%.
Inside the full State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
State Bank rankings
Its closest position to the top of a national ranking is 2,006 of 3,640, for Texas Ratio; its furthest is 3,551 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.14% (Q3 2024) to 1.53% (Q3 2025) and its net interest margin ran from 4.13% (Q4 2024) to 4.68% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.54% | 1.21% | 0.34% | 2.56% | 4.33% |
| Q1 2026 | 9.60% | 0.96% | 0.34% | 2.67% | 4.32% |
| Q4 2025 | 9.70% | 0.49% | 0.00% | 0.00% | 4.57% |
| Q3 2025 | 9.87% | 1.53% | 0.00% | 0.00% | 4.68% |
| Q2 2025 | 10.28% | 0.92% | 0.00% | 0.00% | 4.36% |
| Q1 2025 | 10.97% | 0.60% | 0.00% | 0.00% | 4.32% |
| Q4 2024 | 11.45% | 0.34% | 0.00% | 0.00% | 4.13% |
| Q3 2024 | 12.18% | 0.14% | 0.00% | 0.00% | 4.19% |
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.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| State Bank (main office) | Green River , WY | 82935 | $47.6M |
| Evanston Branch | Evanston , WY | 82930 | $35.9M |
| Rock Springs Branch | Rock Springs , WY | 82901 | $20.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in WY, rank 37 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $880K approved, $880K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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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Frequently asked about State Bank
What are State Bank's total assets?
As of the Q2 2026 filing, State Bank reported total assets of $115.4 million in its FFIEC call report.
Where is State Bank headquartered?
It is headquartered in Green River, WY, United States.
When was State Bank founded?
It was established in 1997, per the FDIC institution directory.
Is State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank?
State Bank's primary federal regulator is the FDIC.
How many branches does State 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 State Bank's Texas Ratio?
Its Texas Ratio is 2.56% 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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