BlastPoint's Banking Scorecard
Uinta Bank
Micro
Specialty: Commercial
WY
FDIC cert 1167
Designations: ✓ Community bank
Mountain View, WY
2498
banks in Micro tier nationally
16 in WY
View Micro leaderboard (WY) →
Uinta Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 36.94% below tier
- + Tier 1 Capital Ratio 17.27% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.98% below tier
- - Net Interest Margin 2.41% below tier
- - Efficiency Ratio 22.88% above tier
- - Non-Interest-Bearing Deposit Share 14.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$203.0M
-4.9% YoY
-3.1% QoQ
|
-$14.5M |
$217.5M
+2.3% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$70.5M
-3.0% YoY
-3.4% QoQ
|
-$68.7M |
$139.2M
+2.8% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$187.5M
-5.5% YoY
-3.7% QoQ
|
+$3.8M |
$183.7M
+1.8% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.10%
-6.9% YoY
+11.8% QoQ
|
-0.98% |
1.08%
+14.7% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
1.44%
+13.8% YoY
-0.8% QoQ
|
-2.41% |
3.85%
+6.6% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
90.60%
-3.2% YoY
+0.7% QoQ
|
+22.88% |
67.73%
-4.8% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.67%
+81.4% YoY
-38.3% QoQ
|
+0.03% |
0.64%
+24.4% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
37.59%
+2.6% YoY
+0.3% QoQ
|
-36.94% |
74.53%
+0.5% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.90%
-1.7% YoY
+1.3% QoQ
|
-14.49% |
22.39%
-1.3% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.23%
+85.2% YoY
-38.5% QoQ
|
-0.22% |
0.45%
+25.1% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
26.12%
+10.0% YoY
+4.5% QoQ
|
+17.27% |
8.85%
-3.4% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.14%
-13.3% YoY
+38.5% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
37.59%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
26.12%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (4)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.44%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
90.60%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.90%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.59% · Tier avg: 74.53%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.12% · Tier avg: 8.85%
56
56th pctile
Total Deposits
Current: $187.5M · Tier avg: $183.7M
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
52
52th pctile
Total Assets
Current: $203.0M · Tier avg: $217.5M
39
39th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.64%
29
29th pctile
Total Loans
Current: $70.5M · Tier avg: $139.2M
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
9
9th pctile
Efficiency Ratio
Current: 90.60% · Tier avg: 67.73%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.90% · Tier avg: 22.39%
8
8th pctile
Return on Assets
Current: 0.10% · Tier avg: 1.08%
1
1th pctile
Net Interest Margin
Current: 1.44% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.44% · Tier avg: 3.85%
8
8th pctile
Return on Assets
Current: 0.10% · Tier avg: 1.08%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.90% · Tier avg: 22.39%
9
9th pctile
Efficiency Ratio
Current: 90.60% · Tier avg: 67.73%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
29
29th pctile
Total Loans
Current: $70.5M · Tier avg: $139.2M
39
39th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.64%
52
52th pctile
Total Assets
Current: $203.0M · Tier avg: $217.5M
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
56
56th pctile
Total Deposits
Current: $187.5M · Tier avg: $183.7M
94
94th pctile
Tier 1 Capital Ratio
Current: 26.12% · Tier avg: 8.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.59% · Tier avg: 74.53%