Wyoming Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Wyoming Community Bank is an FDIC-insured commercial bank headquartered in Riverton, WY, established in 1999 (FDIC certificate 35220), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $262.4M, up 6.8% from Q2 2025, the 15th largest of 24 banks headquartered in Wyoming. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.52% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 35220
- Headquarters
- Riverton, WY
- Established
- 1999
- Total assets, Q2 2026
- $262.4M
- Assets vs Q2 2025
- +6.8%
- Tier 1 leverage ratio, Q2 2026
- 9.52%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 102306644
- Latest call report
- Q2 2026, FFIEC 041 · Wyoming Community Bank call report
- Holding company
- WYOMING NATIONAL BANCORPORATION, INC.
- Asset rank in state
- 15th of 24 in Wyoming
Wyoming Community Bank is one of the more profitable banks of its size. Based in Riverton, Wyoming, it had $262 million in assets at June 30, 2026, up 6.8% from a year earlier. It returns 19.8% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also grew its loan book 12.9% over the year, 2.4 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $1.0 million, 43% above the same quarter a year earlier. Its $21 million commercial and industrial book is improving, with 0.46% past due or on nonaccrual, down from 2.83% a year earlier. Where it has less room is capital: it funds 9.52% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Wyoming Community Bank reported a return on assets of 1.54%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 5.27%. The figures come from its call report filed with the FFIEC.
Wyoming Community Bank ranks as the 15th largest of the 24 banks based in Wyoming, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $262.4M, loans rose 4.5% and deposits rose 1.7%. 1-4 family residential loans made up 29.3% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 13.6%. The FDIC Summary of Deposits lists 3 offices for it, in Riverton, WY, Lander, WY and Dubois, WY; its Riverton office books 66% of its branch deposits. Judged on its Q2 2026 call report, Wyoming Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1700 N Federal Blvd, Riverton, WY 82501
- County
- Fremont
- Metro Area
- Riverton, WY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 14, 1999
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $234.3M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $264.2M
- Average total loans
- $162.8M
- Average interest-bearing deposits
- $177.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 14, 1999
- FDIC Cert
- 35220
- Fed RSSD
- 2806840
- SEC CIK
- 1515631 → filed by WYOMING NATIONAL BANCORPORATION, INC.
- Parent Holding Company
- WYOMING NATIONAL BANCORPORATION, INC. (RSSD 2910970)
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, Wyoming Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Wyoming Community Bank's total assets ranged from $221.8M (Q4 2023) to $262.4M (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
$262.4M total assets against $245.8M; $241.5M total liabilities against $228.4M.
$166.5M net loans and leases against $147.5M; $234.3M total deposits against $220.9M.
$79.6M securities against $76.5M; $5.0M cash and balances due against $11.4M.
$3.6M total interest income against $3.4M; $943K total interest expense against $1.0M.
$2.6M net interest income against $2.3M.
$241K total noninterest income against $282K; $1.8M total noninterest expense against $1.7M.
$37K provision for credit losses against $150K.
$1.0M net income against $712K.
1.54% return on assets against 1.14%; 4.23% net interest margin against 4.00%.
9.52% tier 1 leverage ratio against 9.23%.
Inside the full Wyoming Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWyoming Community Bank rankings
Its closest position to the top of a national ranking is 1,220 of 3,611, for ROA; its furthest is 2,639 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.35% (Q4 2024) to 1.54% (Q2 2026) and its net interest margin ran from 3.52% (Q3 2024) to 4.23% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.52% | 1.54% | 0.31% | 5.27% | 4.23% |
| Q1 2026 | 9.36% | 1.49% | 0.77% | 5.85% | 4.14% |
| Q4 2025 | 9.15% | 1.18% | 0.75% | 5.45% | 4.21% |
| Q3 2025 | 9.29% | 1.33% | 0.18% | 1.31% | 4.16% |
| Q2 2025 | 9.23% | 1.14% | 0.19% | 1.47% | 4.00% |
| Q1 2025 | 9.22% | 1.21% | 0.03% | 0.26% | 3.83% |
| Q4 2024 | 9.09% | 0.35% | 0.00% | 0.00% | 3.88% |
| Q3 2024 | 9.41% | 0.91% | 0.02% | 0.17% | 3.52% |
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 |
|---|---|---|---|
| Wyoming Community Bank (main office) | Riverton , WY | 82501 | $155.3M |
| Lander Branch | Lander , WY | 82520 | $52.1M |
| Dubois Branch | Dubois , WY | 82513 | $26.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.1% of deposits in WY, rank 27 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $496K approved, $165K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Wyoming Community Bank
What are Wyoming Community Bank's total assets?
As of the Q2 2026 filing, Wyoming Community Bank reported total assets of $262.4 million in its FFIEC call report.
Where is Wyoming Community Bank headquartered?
It is headquartered in Riverton, WY, United States.
When was Wyoming Community Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Wyoming Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wyoming Community Bank?
Wyoming Community Bank's primary federal regulator is the Federal Reserve.
How many branches does Wyoming Community 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 Wyoming Community Bank's Texas Ratio?
Its Texas Ratio is 5.27% 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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