BlastPoint's Banking Scorecard
Jonah Bank of Wyoming
Community
Specialty: Commercial
WY
FDIC cert 58396
Casper, WY
1484
banks in Community tier nationally
8 in WY
View Community leaderboard (WY) →
Jonah Bank of Wyoming has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 8% in Community
- + Profitability Leader: Top 31% in Community
- + Deposit Franchise: Top 67% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9% in Community
- - Credit Risk Growth: Bottom 24% in Community
- - Capital Thin: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$558.2M
+5.0% YoY
-0.5% QoQ
|
-$833.3M |
$1.4B
+2.0% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$365.5M
+6.7% YoY
+4.0% QoQ
|
-$610.0M |
$975.5M
+2.4% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$504.7M
+4.7% YoY
+0.2% QoQ
|
-$659.9M |
$1.2B
+1.7% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.92%
+20.2% YoY
+3.0% QoQ
|
+0.76% |
1.16%
+17.2% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.74%
+7.6% YoY
+1.7% QoQ
|
+1.08% |
3.66%
+9.1% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
52.00%
-9.4% YoY
-1.6% QoQ
|
-10.63% |
62.63%
-5.3% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.15%
+23.4% YoY
-3.9% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
72.41%
+1.9% YoY
+3.8% QoQ
|
-10.66% |
83.06%
+0.3% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
28.47%
-8.7% YoY
-4.4% QoQ
|
+7.43% |
21.05%
-0.9% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.10%
+25.4% YoY
+0.5% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.81%
+14.9% YoY
+30.9% QoQ
|
+0.07% |
0.74%
-1.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#32 of 371 · Top 8% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Profitability Leader
growth
#114 of 371 · Top 31% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.92%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#101 of 150 · Top 67% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
28.47%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.74%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (3)
Credit Quality Pressure
risk
#74 of 808 · Bottom 9% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#155 of 642 · Bottom 24% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Capital Thin
risk
#211 of 432 · Bottom 49% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
92
92th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.66%
90
90th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.16%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.47% · Tier avg: 21.05%
80
80th pctile
Efficiency Ratio
Current: 52.00% · Tier avg: 62.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Loan-to-Deposit Ratio
Current: 72.41% · Tier avg: 83.06%
14
14th pctile
Total Deposits
Current: $504.7M · Tier avg: $1.2B
10
10th pctile
Total Loans
Current: $365.5M · Tier avg: $975.5M
9
9th pctile
Total Assets
Current: $558.2M · Tier avg: $1.4B
Top Weaknesses
9
9th pctile
Total Assets
Current: $558.2M · Tier avg: $1.4B
10
10th pctile
Total Loans
Current: $365.5M · Tier avg: $975.5M
14
14th pctile
Total Deposits
Current: $504.7M · Tier avg: $1.2B
23
23th pctile
Loan-to-Deposit Ratio
Current: 72.41% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
80
80th pctile
Efficiency Ratio
Current: 52.00% · Tier avg: 62.63%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.47% · Tier avg: 21.05%
90
90th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.16%
92
92th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.66%