The catalogue › United States › Mountain West › Wyoming
The state note · prepared 3 November 2026

Wyoming

24 banks and 18 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

24 banks filing · read from the 30 June 2026 Call Report
24
banks filing
$10.8B in assets
+5.7%
Loans, year over year
median; 9 above 10%, 4 shrinking
26.2%
CRE / loans
median
67.7%
Loans / deposits
median
0.32%
NPA / loans
median
9.6%
Equity / assets
median

Wyoming's 24 banks hold $10.8B in assets at 30 June 2026. Pinnacle Bank Wyoming is the largest at $1.3B, and the five largest hold 49% of the total; 3 institutions are above $1B, holding $3.5B.

Loans grew a median +5.7% in the year to 30 June 2026: 9 institutions grew faster than 10% and 4 shrank. The median bank lends 68% of its deposits and holds commercial real estate at 26.2% of loans. Nonperforming loans sit at a median 0.32% of the book, return on assets at 1.27%, and equity at 9.6% of assets.

3 of the 24 are in the catalogue, each read from its own filing beside the banks its size in the state: First Northern Bank of Wyoming, Platte Valley Bank, First National Bank of Gillette.

Who holds the state's assetseach institution's share of the $10.8B the state's 24 hold; the largest first, amber in the catalogue
Pinnacle Bank Wyoming: 12.0%PB12%Hilltop National Bank: 10.5%HN11%Converse County Bank: 10.1%CC10%First Northern Bank of Wyoming: 9.1%FN9%Platte Valley Bank: 7.5%PV7%First National Bank of Gillette: 6.0%FNFirst Federal Bank & Trust: 5.7%FFJonah Bank of Wyoming: 5.2%JBSecurity State Bank: 4.2%SSBank of Star Valley: 3.9%Bo14 others 26%PBPinnacle Bank Wyoming12.0%HNHilltop National Bank10.5%CCConverse County Bank10.1%FNFirst Northern Bank o…9.1%PVPlatte Valley Bank7.5%FNFirst National Bank o…6.0%FFFirst Federal Bank & …5.7%JBJonah Bank of Wyoming5.2%SSSecurity State Bank4.2%BoBank of Star Valley3.9%

Pinnacle Bank Wyoming holds 12.0% of the state's bank assets; the five largest hold 49%, and 3 of the 24 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestPinnacle Bank Wyoming: 12% of the totalThe five largest49% of the totalThe ten largest74% of the totalGINI0.40 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 49% of the assets in 21% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end21.0%$1.3BNonfarm nonresidential, non-owner-occupied16.8%$1.1BCommercial & industrial15.4%$960MNonfarm nonresidential, owner-occupied13.7%$857MFarmland8.7%$543MConstruction & land8.0%$502MAgricultural production4.9%$308MMultifamily3.5%$221MHome equity lines3.3%$206MAuto1.8%$111MConsumer, other1.6%$99MOther loans and leases0.9%$57MStates & municipalities0.2%$14MCredit card0.2%$11M

1-4 family residential, closed-end is the largest category at 21.0% of the state's $6.3B in loans, then Nonfarm nonresidential, non-owner-occupied at 16.8% and Commercial & industrial at 15.4%.

Loans, year over yearWyoming banks, 30 June 2026 against a year earlier · no better direction, largest first · amber, in the catalogue
state median +5.7% Bo Bank of Jackson Hole Trust +133.5% FN First Northern Bank of Wyoming +21.9% SB State Bank +19.7% SS Security State Bank +15.5% HN Hilltop National Bank +14.2% SS Sundance State Bank +13.5% WC Wyoming Community Bank +12.9% JB Jonah Bank of Wyoming +11.3% BH Big Horn FSB +11.3% RS RNB State Bank +9.3% Bo Bank of Commerce +7.2% PB Pinnacle Bank Wyoming +6.2% FS Farmers State Bank +5.2% CC Converse County Bank +3.8% Bo Bank of Star Valley +3.8% BF Buffalo Federal Bank +3.7% CB Central Bank & Trust +3.3% RB RSNB Bank +2.9% PV Platte Valley Bank +2.6% FN First National Bank of Gillette +0.6% CS Cowboy State Bank -0.0% TB Tanager Bank -0.5% FF First Federal Bank & Trust -1.1% SN Summit National Bank -20.7%

Bank of Jackson Hole Trust grew fastest at +133.5%; 9 grew faster than 10% and 4 shrank, Summit National Bank the most at -20.7%. The median is +5.7%.

Commercial real estate, share of loansWyoming banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · amber, in the catalogue
state median 26.2% TB Tanager Bank 74.9% CS Cowboy State Bank 51.2% FF First Federal Bank & Trust 41.2% HN Hilltop National Bank 40.7% RS RNB State Bank 36.7% PB Pinnacle Bank Wyoming 34.9% CB Central Bank & Trust 34.0% JB Jonah Bank of Wyoming 30.1% SB State Bank 29.7% SS Security State Bank 29.3% Bo Bank of Commerce 28.0% FS Farmers State Bank 27.8% BF Buffalo Federal Bank 24.6% RB RSNB Bank 22.9% FN First Northern Bank of Wyoming 21.9% Bo Bank of Jackson Hole Trust 21.2% Bo Bank of Star Valley 21.0% PV Platte Valley Bank 20.7% FN First National Bank of Gillette 19.6% SS Sundance State Bank 17.5% SN Summit National Bank 16.9% BH Big Horn FSB 15.3% WC Wyoming Community Bank 12.2% CC Converse County Bank 8.4%

Tanager Bank is the most CRE-weighted at 74.9% of loans; 4 of the 24 are above 40%, against a median of 26.2%.

Commercial real estate against capital, the 300% screenWyoming banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · amber, in the catalogue
state median 171% 300% screen FF First Federal Bank & Trust 259% SN Summit National Bank 255% CS Cowboy State Bank 254% SB State Bank 253% JB Jonah Bank of Wyoming 219% PB Pinnacle Bank Wyoming 217% RS RNB State Bank 213% CB Central Bank & Trust 207% HN Hilltop National Bank 194% PV Platte Valley Bank 178% BF Buffalo Federal Bank 173% FN First Northern Bank of Wyoming 172% TB Tanager Bank 170% SS Security State Bank 152% Bo Bank of Commerce 130% FS Farmers State Bank 109% Bo Bank of Star Valley 100% SS Sundance State Bank 93% WC Wyoming Community Bank 82% RB RSNB Bank 71% BH Big Horn FSB 59% FN First National Bank of Gillette 33% CC Converse County Bank 24% Bo Bank of Jackson Hole Trust 8%

0 of the 24 banks sit above the 300% screen, First Federal Bank & Trust the highest at 259% of capital; the median is 171%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenWyoming banks, 30 June 2026 · the guidance's first prong; listed largest first · amber, in the catalogue
state median 40% 100% screen CB Central Bank & Trust 100% HN Hilltop National Bank 74% FN First Northern Bank of Wyoming 70% JB Jonah Bank of Wyoming 65% Bo Bank of Star Valley 59% SB State Bank 59% Bo Bank of Commerce 55% PV Platte Valley Bank 51% FS Farmers State Bank 50% RB RSNB Bank 45% PB Pinnacle Bank Wyoming 42% FF First Federal Bank & Trust 41% SS Security State Bank 38% CS Cowboy State Bank 37% BF Buffalo Federal Bank 32% WC Wyoming Community Bank 32% SS Sundance State Bank 31% RS RNB State Bank 29% SN Summit National Bank 19% TB Tanager Bank 17% FN First National Bank of Gillette 12% BH Big Horn FSB 11% CC Converse County Bank 2% Bo Bank of Jackson Hole Trust 0%

0 of the 24 banks sit above the 100% construction screen, Central Bank & Trust the highest at 100%; the median is 40%.

Loans to depositsWyoming banks, 30 June 2026 · listed highest first · amber, in the catalogue
state median 68% Bo Bank of Jackson Hole Trust 4479% PV Platte Valley Bank 97% SB State Bank 89% FF First Federal Bank & Trust 88% BF Buffalo Federal Bank 87% PB Pinnacle Bank Wyoming 80% JB Jonah Bank of Wyoming 78% CS Cowboy State Bank 77% SS Sundance State Bank 75% FN First Northern Bank of Wyoming 74% WC Wyoming Community Bank 72% SS Security State Bank 69% HN Hilltop National Bank 67% Bo Bank of Star Valley 62% CB Central Bank & Trust 61% Bo Bank of Commerce 61% RS RNB State Bank 58% BH Big Horn FSB 54% FS Farmers State Bank 53% SN Summit National Bank 52% RB RSNB Bank 43% TB Tanager Bank 43% CC Converse County Bank 31% FN First National Bank of Gillette 29%

1 of the 24 lend more than they hold in deposits, Bank of Jackson Hole Trust the furthest at 4479%; the median is 68%.

Nonperforming loans, share of loansWyoming banks, 30 June 2026 · listed highest first · amber, in the catalogue
state median 0.32% FF First Federal Bank & Trust 3.29% RB RSNB Bank 2.37% CS Cowboy State Bank 0.91% FN First National Bank of Gillette 0.72% BH Big Horn FSB 0.70% BF Buffalo Federal Bank 0.67% TB Tanager Bank 0.59% SS Sundance State Bank 0.56% FN First Northern Bank of Wyoming 0.54% SN Summit National Bank 0.46% PV Platte Valley Bank 0.40% SB State Bank 0.34% WC Wyoming Community Bank 0.31% HN Hilltop National Bank 0.28% PB Pinnacle Bank Wyoming 0.26% SS Security State Bank 0.22% RS RNB State Bank 0.09% Bo Bank of Star Valley 0.09% CC Converse County Bank 0.05% Bo Bank of Commerce 0.02% CB Central Bank & Trust 0.00% JB Jonah Bank of Wyoming 0.00% Bo Bank of Jackson Hole Trust 0.00% FS Farmers State Bank 0.00%

First Federal Bank & Trust carries the most nonperforming loans at 3.29% of the book; 2 of the 24 are above 1%, and the median is 0.32%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.50%1.00%1.50%2.00%NPA / loansAllowance / loansJBJonah Bank of Wyoming+1.71%PVPlatte Valley Bank+1.56%BoBank of Commerce+1.52%TBTanager Bank+1.30%CSCowboy State Bank+1.27%BoBank of Star Valley+1.26%RSRNB State Bank+1.25%FSFarmers State Bank+1.21%SNSummit National Bank+1.18%SSSecurity State Bank+1.09%BFBuffalo Federal Bank+1.09%CCConverse County Bank+1.05%WCWyoming Community Bank+1.05%SBState Bank+1.01%PBPinnacle Bank Wyoming+0.99%SSSundance State Bank+0.94%BoBank of Jackson Hole Trust+0.94%HNHilltop National Bank+0.91%FNFirst National Bank of Gillette+0.91%CBCentral Bank & Trust+0.73%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 2 of the 24 hold an allowance smaller than their nonperforming loans.

Return on assetsWyoming banks, 30 June 2026 · listed highest first · amber, in the catalogue
state median 1.27% Bo Bank of Jackson Hole Trust 5.18% Bo Bank of Star Valley 2.71% CB Central Bank & Trust 2.18% JB Jonah Bank of Wyoming 2.03% PV Platte Valley Bank 1.94% HN Hilltop National Bank 1.75% SS Sundance State Bank 1.75% PB Pinnacle Bank Wyoming 1.68% FN First National Bank of Gillette 1.53% WC Wyoming Community Bank 1.51% Bo Bank of Commerce 1.37% BF Buffalo Federal Bank 1.29% CC Converse County Bank 1.25% FN First Northern Bank of Wyoming 1.15% RB RSNB Bank 1.09% SB State Bank 1.06% FS Farmers State Bank 1.02% BH Big Horn FSB 0.95% CS Cowboy State Bank 0.91% FF First Federal Bank & Trust 0.66% SS Security State Bank 0.55% RS RNB State Bank 0.30% TB Tanager Bank 0.27% SN Summit National Bank -2.16%

Bank of Jackson Hole Trust earns the most at 5.18% and Summit National Bank the least at -2.16%; 3 of the 24 earn under 0.50%, and the median is 1.27%.

The efficiency ratio, with the return beside itWyoming banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · amber, in the catalogue
state median 64.0% Bo Bank of Star Valley 41.4% ROA 2.71% CC Converse County Bank 45.4% ROA 1.25% SS Sundance State Bank 46.7% ROA 1.75% PB Pinnacle Bank Wyoming 47.2% ROA 1.68% PV Platte Valley Bank 50.8% ROA 1.94% JB Jonah Bank of Wyoming 51.1% ROA 2.03% FN First National Bank of Gillette 52.0% ROA 1.53% CB Central Bank & Trust 52.6% ROA 2.18% Bo Bank of Commerce 58.6% ROA 1.37% Bo Bank of Jackson Hole Trust 59.4% ROA 5.18% HN Hilltop National Bank 59.4% ROA 1.75% WC Wyoming Community Bank 63.1% ROA 1.51% BF Buffalo Federal Bank 64.8% ROA 1.29% SB State Bank 65.5% ROA 1.06% BH Big Horn FSB 66.4% ROA 0.95% RB RSNB Bank 67.1% ROA 1.09% FS Farmers State Bank 70.3% ROA 1.02% FF First Federal Bank & Trust 70.5% ROA 0.66% FN First Northern Bank of Wyoming 72.6% ROA 1.15% SS Security State Bank 78.2% ROA 0.55% CS Cowboy State Bank 84.6% ROA 0.91% TB Tanager Bank 91.5% ROA 0.27% RS RNB State Bank 93.2% ROA 0.30% SN Summit National Bank 233.1% ROA -2.16%

Bank of Star Valley runs the leanest at 41.4% of revenue in cost; 4 of the 24 spend more than 80 cents of every revenue dollar, and the median is 64.0%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Pinnacle Bank Wyoming$1.3B+6.2%34.9%80%0.26%1.68%9.8%
Hilltop National Bank$1.1B+14.2%40.7%67%0.28%1.75%8.6%
Converse County Bank$1.1B+3.8%8.4%31%0.05%1.25%9.6%
First Northern Bank of Wyoming$983M+21.9%21.9%74%0.54%1.15%7.0%
Platte Valley Bank$809M+2.6%20.7%97%0.40%1.94%9.6%
First National Bank of Gillette$652M+0.6%19.6%29%0.72%1.53%12.2%
First Federal Bank & Trust$621M-1.1%41.2%88%3.29%0.66%10.7%
Jonah Bank of Wyoming$563M+11.3%30.1%78%0.00%2.03%9.0%
Security State Bank$449M+15.5%29.3%69%0.22%0.55%8.6%
Bank of Star Valley$420M+3.8%21.0%62%0.09%2.71%10.4%
Big Horn FSB$400M+11.3%15.3%54%0.70%0.95%11.2%
RSNB Bank$381M+2.9%22.9%43%2.37%1.09%6.0%
RNB State Bank$296M+9.3%36.7%58%0.09%0.30%6.3%
Sundance State Bank$291M+13.5%17.5%75%0.56%1.75%10.6%
Wyoming Community Bank$262M+12.9%12.2%72%0.31%1.51%8.0%
Five years, 2021 to 2026the 24 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$5.1B$6.3B+22%
Deposits, in total$9.0B$9.5B+5%
NPA / loans, median0.21%0.32%+0.12 pts
Efficiency, median62.1%64.0%+1.8 pts
ROA, median1.19%1.27%+0.08 pts

Small-business lending

SBA 7(a) approvals into Wyoming since FY2008, across every lender type

$803M of 7(a) credit has been approved into Wyoming since FY2008 across 1,991 loans. Accommodation & food services is the largest category at 22.6%, Retail trade at 16.7%, Professional & technical services at 9.0%; the three together are 48% of the money. The heaviest losses fall in Construction, at 4.23% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 165 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
LO Live Oak Banking Company 7.5% $61M · 47 loans WF Wells Fargo Bank National Associa… 6.9% $55M · 236 loans Bo Bank of Bridger National Associat… 5.0% $40M · 203 loans FI First Interstate Bank 4.5% $36M · 137 loans UB U.S. Bank, National Association 4.1% $33M · 110 loans FN First Northern Bank of Wyoming 4.0% $32M · 91 loans GB Glacier Bank 3.7% $30M · 73 loans CB Celtic Bank Corporation 3.4% $27M · 34 loans CB Community Banks of Colorado, A Di… 3.0% $24M · 26 loans NB Newtek Bank, National Association 2.1% $17M · 48 loans Newtek Small Business Finance, LLC 1.9% $16M · 15 loans PV Platte Valley Bank 1.5% $12M · 106 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services24.5%$181M · 266 loansRetail trade18.1%$134M · 293 loansProfessional & technical services9.7%$72M · 190 loansConstruction9.4%$70M · 235 loansHealth care & social assistance7.2%$53M · 145 loansOther services6.9%$51M · 159 loansManufacturing6.4%$47M · 111 loansTransportation & warehousing4.5%$34M · 118 loansMining & extraction3.7%$27M · 66 loansWholesale trade3.7%$27M · 99 loansInformation3.0%$22M · 35 loansReal estate & leasing2.9%$21M · 45 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$181M26622.6%$3M1.48%
Retail trade$134M29316.7%$4M3.12%
Professional & technical services$72M1909.0%$341K0.47%
Construction$70M2358.7%$3M4.23%
Health care & social assistance$53M1456.6%$34K0.06%
Other services$51M1596.3%$426K0.84%
Manufacturing$47M1115.9%$71K0.15%
Transportation & warehousing$34M1184.2%$984K2.93%
Mining & extraction$27M663.4%$550K2.01%
Wholesale trade$27M993.4%$485K1.79%
Information$22M352.8%$0K0.00%
Real estate & leasing$21M452.6%$453K2.13%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Laramie$156M38269
Sheridan$84M20241
Campbell$74M15828
Natrona$73M19345
Teton$51M10823
Sweetwater$46M7630
Albany$45M8630
Park$35M13425
Uinta$34M8021
Johnson$33M7417

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Wyoming institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 3 November 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Wyoming

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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