BlastPoint's Banking Scorecard
First State Bank of Wyoming
Micro
Specialty: Other
MN
FDIC cert 1609
Designations: ✓ Community bank
Wyoming, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
First State Bank of Wyoming has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 42.78% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.31% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$243.6M
+8.7% YoY
+3.2% QoQ
|
+$26.1M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$65.9M
+12.3% YoY
+2.6% QoQ
|
-$73.3M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$207.5M
+7.5% YoY
+3.8% QoQ
|
+$23.8M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
0.83%
+37.2% YoY
+18.4% QoQ
|
-0.25% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
2.55%
+10.0% YoY
+2.5% QoQ
|
-1.31% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
64.78%
-8.8% YoY
-2.3% QoQ
|
-2.95% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.85%
-24.5% YoY
-2.3% QoQ
|
+0.21% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
31.75%
+4.5% YoY
-1.2% QoQ
|
-42.78% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.05%
+6.6% YoY
-4.7% QoQ
|
-3.34% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.24%
-22.2% YoY
-3.1% QoQ
|
-0.22% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.42%
-7.7% YoY
+27.1% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
31.75%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.55%
(Tier avg: 3.85%, 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
98
98th pctile
Loan-to-Deposit Ratio
Current: 31.75% · Tier avg: 74.53%
62
62th pctile
Total Deposits
Current: $207.5M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $243.6M · Tier avg: $217.5M
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
54
54th pctile
Efficiency Ratio
Current: 64.78% · Tier avg: 67.73%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.05% · Tier avg: 22.39%
35
35th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
33
33th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.64%
27
27th pctile
Total Loans
Current: $65.9M · Tier avg: $139.2M
6
6th pctile
Net Interest Margin
Current: 2.55% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.55% · Tier avg: 3.85%
27
27th pctile
Total Loans
Current: $65.9M · Tier avg: $139.2M
33
33th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.64%
35
35th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.05% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
54
54th pctile
Efficiency Ratio
Current: 64.78% · Tier avg: 67.73%
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
61
61th pctile
Total Assets
Current: $243.6M · Tier avg: $217.5M
62
62th pctile
Total Deposits
Current: $207.5M · Tier avg: $183.7M
98
98th pctile
Loan-to-Deposit Ratio
Current: 31.75% · Tier avg: 74.53%