Bank Safety Analysis
Is Wyoming Bank & Trust Safe?
Wyoming Bank & Trust meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q1 2026 call report.
Scorecard by dimension
Peer cohort: 5: $100M-1B (2,802 banks) · Industry averages as of Q1 2026.
CET1 of 22.36% sits comfortably above the 7.0% well-capitalized threshold the Federal Reserve uses for Prompt Corrective Action.
Tier 1 leverage of 11.39% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 79.4% is elevated, suggesting cost-to-revenue pressure.
Banks with a similar risk profile
4 banks in the same asset tier (5: $100M-1B) with the same overall verdict — useful for comparing how supervisory thresholds play out across peers.
Frequently asked
Is Wyoming Bank & Trust FDIC insured?
Yes. Wyoming Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #8718). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Wyoming Bank & Trust well capitalized?
Yes. Wyoming Bank & Trust reports a CET1 Ratio of 22.36% — comfortably above the regulatory well-capitalized threshold the Federal Reserve uses for Prompt Corrective Action.
What is Wyoming Bank & Trust's nonperforming loan ratio?
As of the most recent call report, Wyoming Bank & Trust's nonperforming loan ratio is 0.00%. Nonperforming loans at 0.00% are within industry-normal range.
What is Wyoming Bank & Trust's Texas Ratio?
Wyoming Bank & Trust's Texas Ratio is 0.00%. The Texas Ratio measures nonperforming assets against tangible common equity plus loan loss reserves; values above 100% are historically associated with elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor per insured bank, per ownership category. Even if an FDIC-insured bank fails, the FDIC pays depositors up to that amount, typically within one business day of the bank's closing. Joint accounts, retirement accounts, and trust accounts have separate $250,000 coverage limits. For balances above $250,000, depositors can use multiple ownership categories or multiple FDIC-insured banks to extend coverage.
Methodology & disclaimer
This safety analysis is generated from the bank's most recent quarterly FFIEC call report and UBPR filings, evaluated against published supervisory thresholds (Prompt Corrective Action capital tiers, supervisory NPL bands, and the Texas Ratio historical failure threshold). Peer-tier averages reflect every FDIC-insured bank in the same asset-size cohort; industry averages span the full set of FDIC-insured commercial banks. ML failure-probability output is a model estimate, not a credit rating. This page is not investment advice and is not a substitute for professional analysis. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank — including this one — regardless of the bank's safety profile. For the bank's complete financial profile, see the full profile page. See /data-updates/ for current data freshness.