# BANK OF STAR VALLEY
AFTON, WY · FDIC certificate 34148 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $420.0M | |
| Deposits | $368.9M | |
| Loans and leases | $229.4M | |
| Total equity | $43.6M | |
| Loans / deposits | 61.33% (p14 of band) | 82.04% |
| Liquid assets / assets | 43.55% (p87 of band) | |
| Uninsured deposits / deposits | 23.46% (p41 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.08% (p35 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.81% (p50 of band) | 10.81% |
| Unrealized securities loss / equity | -3.24% (p71 of band) | -8.10% |
| AOCI / equity | -2.36% (p6 of band) | |
| ROA (annualized) | 2.77% (p97 of band) | 1.28% |
| Net interest margin | 4.35% (p76 of band) | 3.91% |
| Efficiency ratio | 41.42% (p7 of band) | |
| Noncurrent loans | 0.09% (p22 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p61 of band) | |
| Reserve coverage of noncurrent | 1526.60% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 65.31% (p68 of band) | |
| Auto loans | $12.4M (5.39% of loans; DQ 1.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | construction >100% equity |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 2 | charge-offs p90 | reserve under noncurrent |
| 2013-06 | 0 |  | uninsured deposits leaving, charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | construction >100% equity |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | capital falling | construction >100% equity |
| 2015-12 | 2 | construction >100% equity |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 0 |  | construction >100% equity |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 0 |  | construction >100% equity, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 3 | construction >100% equity, deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 0 |  | construction >100% equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-26 [Kemmerer Gazette Legal Notices, March 26, 2026 - kemmerergazette.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQZFdaVXB3NXJkOVdvSkRCMElTcE1xZ0Raek1kclRtSGIzWnl3RjZGN2dHWk55c1Q2UlFlMlRudTFUUUZVTDExQ3FBMGduZll0SEV1Y3NDTUxBclpEemZ3aXF0Zm5XbTZZZWZ5WE96LVFEYTlURURfMmFwYlpQQXZkT001dHVnY2F0STJKa0EtVWFDR3JKUXc?oc=5) · kemmerergazette.com
- 2026-05-10 [Saving Sonya: 2 men recount entering burning home to save Star Valley Ranch woman - East Idaho News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOb3RXSXpFc243bWxOdEJDRnJRclJDMEhNa3FGWGFHZlBVYld1Zzc5QzlEMDZqR0xlNUh1R1VlOWUtdm80d0lKWWtVdGZWQWdvV2N6QkxKRjJjNDJlZHU2eEM4clRicFNzU3ltYjNlT0xVQllRa3FPOFJCSncxMFNSNXFjRWZnWE96TEJpTGhYMDliZURIMXhpSTFjcm5kSElSb0x1a2llbGFTdGp6ai0xX0F3VGpwX29HODRr?oc=5) · East Idaho News
- 2026-05-28 [Stephen Allan Wilson Obituary (2026) - Thayne, WY - Schwab Funeral Chapel - Thayne - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPaVRNdzh1YVJMcjNBckJqLTRQYXo1V2lkQlhYNzBINmlLVDNsMmdGLUxJR3dWQVJXWnFrR1M2TEFPdkJvTXNIcVo0WGdycEJDWW9QaE1SVkxXcVJydTFqWGdoWm41eGtnb21SU3NuaVdnM0plcmd4WWtKcGJ0SHc3cmtqbw?oc=5) · legacy.com
- 2024-11-14 [Utah Man Says He Was Hired To Cash $13K In Fake Checks In Wyoming - Cowboy State Daily](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQb1ZobG1Ka3J6aF9naGxVY2NGTjJCZjNsUy1BdnFLbUlNSkRMZTg2T0RYMkhnR1gzdmU4OHN1SUxlazllYl83T0M5blN5NkpNOVlJdGRFYVV2YjJieXgxVmxoV3FORVRscml0SUVaNHRPMmV6RUd6ZTdUblJTYjVVYUpvSXp3THEzWmdwcmlhNGlpaElZc1g5dFZLZ2RESnhrNlVrUW1qZko?oc=5) · Cowboy State Daily
- 2018-04-11 [Support for Shane Moulton overwhelms his family - Jackson Hole News&Guide](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPNE1FbndtRmJWZ0dJQnQ0MGszUHBYWmNUOXNTQjNaajBoa1FncWtBM094X0xtamVnTGdTSm5fR3NINEFMeFhORGhObWpXcHY1Rm1pNS1KdE1pMzRWbDZ6N0JYbmlkLUMySERfQk5saUpXUTl6dUN3SFFhU2YxVEpoQUlTby1Hd1ROY3lwQTVfdVprV0ZzYWptUl93RTdoODhBOENBOUo1d0xDVnJscFN0bms4YndBWjBIZjRvV29XMGFMOGczdFBPbFhJdTU2b0tVOGROMzRJMWFNV0U?oc=5) · Jackson Hole News&Guide
- 2026-02-12 [Kemmerer Gazette Legal Notices, February 12, 2026 - kemmerergazette.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNQ19PNGROVnRPWXhHR3pDWk4zSTl4S2V1ME1pUXJXdmVveUtKaGRDTkhDT1ZWcnUtdFlEblNDa09qa3lMNXdXaTFCNlNmZ0E0QXVkWkt1UFB5YVdGTzYtWGFGbS1qUjNLNkVRRURZaUphTThNcllqN1VmLWE1TmJPWlEtOHdWMUhabS1mLThlUlF6dlN4V3lYSG9B?oc=5) · kemmerergazette.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2020-08-03 [3 people injured in Wyoming food truck explosion - East Idaho News](https://news.google.com/rss/articles/CBMikAFBVV95cUxNMWJBYS04a3pTa3Y2VmhyMjU3bFhEa1lPa245NmJwT2hBZEJYaHgtRUM1SXVkMV9yWTFxVmczZTNOeWxoMDN4X09keE1rbmJ1amlLQUVuUGVwY1lULUFieVFBNlB6Q01IZDVLN2ViYV9TSVpQNlVsTHF1S09zRjRSMVlmVnJxTEFkTGhCZnY4dFk?oc=5) · East Idaho News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34148 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "34148", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide