Wyoming Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 254.79 percentage points higher than in Q1 2026, at 437.48%. Within Wyoming, Wyoming Community Bank is 10th of 24 on return on assets, 1.54% as of Q2 2026, above the middle of the field. Wyoming Community Bank reported 1.54% on return on assets for Q2 2026, 0.29 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.52% |
| Equity capital to assets | 7.98% |
| Tangible equity to tangible assets | 7.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 5.27% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 437.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 19.79% |
| Net interest margin | 4.23% |
| Efficiency ratio | 61.93% |
| Yield on earning assets | 5.73% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.04% |
| Core deposits to total deposits | 92.29% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.28% |
| Securities to assets | 30.34% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.28% | 0.89% | 3.42% | 0.38% | 0.02% |
| Q4 2023 | 9.57% | 0.99% | 3.35% | 0.31% | -0.02% |
| Q1 2024 | 9.68% | 0.68% | 3.32% | 0.05% | -0.01% |
| Q2 2024 | 9.55% | 0.71% | 3.33% | 0.02% | 0.17% |
| Q3 2024 | 9.41% | 0.91% | 3.52% | 0.02% | 0.02% |
| Q4 2024 | 9.09% | 0.35% | 3.88% | 0.00% | 0.06% |
| Q1 2025 | 9.22% | 1.21% | 3.83% | 0.00% | 0.04% |
| Q2 2025 | 9.23% | 1.14% | 4.00% | 0.19% | 0.16% |
| Q3 2025 | 9.29% | 1.33% | 4.16% | 0.18% | -0.09% |
| Q4 2025 | 9.15% | 1.18% | 4.21% | 0.75% | 0.46% |
| Q1 2026 | 9.36% | 1.49% | 4.14% | 0.77% | -0.00% |
| Q2 2026 | 9.52% | 1.54% | 4.23% | 0.31% | 0.02% |
Wyoming Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wyoming Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Wyoming Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35220) · FFIEC NIC profile (RSSD 2806840)