BlastPoint's Banking Scorecard
The Converse County Bank
Community
Specialty: Other
WY
FDIC cert 12591
Douglas, WY
1484
banks in Community tier nationally
8 in WY
View Community leaderboard (WY) →
The Converse County Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.46% below tier
- + Loan-to-Deposit Ratio 52.55% below tier
- + Tier 1 Capital Ratio 16.92% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 15% in Community
- - Net Interest Margin 1.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+12.8% YoY
+6.2% QoQ
|
-$301.9M |
$1.4B
+2.0% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$300.7M
+10.9% YoY
+1.1% QoQ
|
-$674.8M |
$975.5M
+2.4% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$985.5M
+13.3% YoY
+6.9% QoQ
|
-$179.1M |
$1.2B
+1.7% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.14%
-32.1% YoY
-20.6% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
2.22%
-14.9% YoY
-2.1% QoQ
|
-1.45% |
3.66%
+9.1% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
44.18%
+5.5% YoY
+1.5% QoQ
|
-18.46% |
62.63%
-5.3% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.33%
-80.3% YoY
-79.0% QoQ
|
-0.30% |
0.63%
+18.3% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
30.51%
-2.1% YoY
-5.4% QoQ
|
-52.55% |
83.06%
+0.3% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.38%
-4.3% YoY
-6.4% QoQ
|
-9.67% |
21.05%
-0.9% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-80.6% YoY
-80.0% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
27.16%
+15.8% YoY
-1.6% QoQ
|
+16.92% |
10.24%
-0.6% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.38%
-6.0% YoY
+27.7% QoQ
|
-0.36% |
0.74%
-1.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
44.18%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
30.51%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
27.16%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Margin Compression
decline
#19 of 120 · Bottom 15% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.14%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.22%
(Tier avg: 3.66%, National avg: 3.75%)
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
99
99th pctile
Loan-to-Deposit Ratio
Current: 30.51% · Tier avg: 83.06%
98
98th pctile
Tier 1 Capital Ratio
Current: 27.16% · Tier avg: 10.24%
92
92th pctile
Efficiency Ratio
Current: 44.18% · Tier avg: 62.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
59
59th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
58
58th pctile
Total Deposits
Current: $985.5M · Tier avg: $1.2B
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.38% · Tier avg: 21.05%
5
5th pctile
Total Loans
Current: $300.7M · Tier avg: $975.5M
3
3th pctile
Net Interest Margin
Current: 2.22% · Tier avg: 3.66%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.22% · Tier avg: 3.66%
5
5th pctile
Total Loans
Current: $300.7M · Tier avg: $975.5M
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.38% · Tier avg: 21.05%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Total Deposits
Current: $985.5M · Tier avg: $1.2B
59
59th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
92
92th pctile
Efficiency Ratio
Current: 44.18% · Tier avg: 62.63%
98
98th pctile
Tier 1 Capital Ratio
Current: 27.16% · Tier avg: 10.24%
99
99th pctile
Loan-to-Deposit Ratio
Current: 30.51% · Tier avg: 83.06%