BlastPoint's Banking Scorecard
State Bank
Micro
Specialty: Commercial
WY
FDIC cert 34441
Designations: ✓ Community bank
Green River, WY
2498
banks in Micro tier nationally
16 in WY
View Micro leaderboard (WY) →
State Bank shows strong momentum with 2 strengths and 29.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$105.0M
+29.0% YoY
+0.2% QoQ
|
-$112.5M |
$217.5M
+2.3% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$88.1M
+30.1% YoY
+4.7% QoQ
|
-$51.1M |
$139.2M
+2.8% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$94.1M
+32.2% YoY
+0.5% QoQ
|
-$89.6M |
$183.7M
+1.8% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
0.90%
+438.0% YoY
-14.0% QoQ
|
-0.18% |
1.08%
+14.7% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
4.62%
+8.1% YoY
+1.1% QoQ
|
+0.76% |
3.85%
+6.6% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
70.44%
-15.9% YoY
+4.1% QoQ
|
+2.71% |
67.73%
-4.8% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
93.59%
-1.6% YoY
+4.1% QoQ
|
+19.06% |
74.53%
+0.5% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
17.25%
-23.0% YoY
-16.7% QoQ
|
-5.14% |
22.39%
-1.3% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.49%
+225.3% YoY
+59.0% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.85%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
39
39th pctile
Efficiency Ratio
Current: 70.44% · Tier avg: 67.73%
38
38th pctile
Total Loans
Current: $88.1M · Tier avg: $139.2M
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.25% · Tier avg: 22.39%
27
27th pctile
Total Deposits
Current: $94.1M · Tier avg: $183.7M
24
24th pctile
Total Assets
Current: $105.0M · Tier avg: $217.5M
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.59% · Tier avg: 74.53%
Top Weaknesses
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.59% · Tier avg: 74.53%
24
24th pctile
Total Assets
Current: $105.0M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $94.1M · Tier avg: $183.7M
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.25% · Tier avg: 22.39%
38
38th pctile
Total Loans
Current: $88.1M · Tier avg: $139.2M
39
39th pctile
Efficiency Ratio
Current: 70.44% · Tier avg: 67.73%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
82
82th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%