BlastPoint's Banking Scorecard
Bank of Star Valley
Micro
Specialty: Commercial
WY
FDIC cert 34148
Designations: ✓ Community bank
Afton, WY
2498
banks in Micro tier nationally
16 in WY
View Micro leaderboard (WY) →
Bank of Star Valley demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.35% above tier
- + Efficiency Ratio 25.26% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$401.5M
+1.2% YoY
+1.5% QoQ
|
+$184.0M |
$217.5M
+2.3% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$227.2M
+5.7% YoY
+1.3% QoQ
|
+$88.0M |
$139.2M
+2.8% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$350.9M
+3.1% YoY
+1.8% QoQ
|
+$167.2M |
$183.7M
+1.8% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
2.44%
+28.1% YoY
+1.2% QoQ
|
+1.35% |
1.08%
+14.7% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.35%
+25.4% YoY
+1.7% QoQ
|
+0.50% |
3.85%
+6.6% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
42.46%
-7.9% YoY
-1.2% QoQ
|
-25.26% |
67.73%
-4.8% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.18%
+2.2% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
64.73%
+2.5% YoY
-0.5% QoQ
|
-9.79% |
74.53%
+0.5% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
29.52%
+8.0% YoY
+3.5% QoQ
|
+7.13% |
22.39%
-1.3% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.25%
+64.3% YoY
-0.1% QoQ
|
-0.21% |
0.45%
+25.1% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
16.56%
-8.4% YoY
-4.1% QoQ
|
+7.70% |
8.85%
-3.4% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.33%
-0.0% YoY
+39.2% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.44%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.46%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
97
97th pctile
Efficiency Ratio
Current: 42.46% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.44% · Tier avg: 1.08%
90
90th pctile
Total Deposits
Current: $350.9M · Tier avg: $183.7M
88
88th pctile
Total Assets
Current: $401.5M · Tier avg: $217.5M
80
80th pctile
Total Loans
Current: $227.2M · Tier avg: $139.2M
78
78th pctile
Tier 1 Capital Ratio
Current: 16.56% · Tier avg: 8.85%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.52% · Tier avg: 22.39%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
31
31th pctile
Loan-to-Deposit Ratio
Current: 64.73% · Tier avg: 74.53%
Top Weaknesses
31
31th pctile
Loan-to-Deposit Ratio
Current: 64.73% · Tier avg: 74.53%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.52% · Tier avg: 22.39%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.56% · Tier avg: 8.85%
80
80th pctile
Total Loans
Current: $227.2M · Tier avg: $139.2M
88
88th pctile
Total Assets
Current: $401.5M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $350.9M · Tier avg: $183.7M
96
96th pctile
Return on Assets
Current: 2.44% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 42.46% · Tier avg: 67.73%