# WYOMING COMMUNITY BANK
RIVERTON, WY · FDIC certificate 35220 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $262.4M | |
| Deposits | $234.3M | |
| Loans and leases | $168.8M | |
| Total equity | $21.0M | |
| Loans / deposits | 71.06% (p46 of band) | 73.59% |
| Liquid assets / assets | 32.23% (p49 of band) | |
| Uninsured deposits / deposits | 12.87% (p24 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.67% (p57 of band) | |
| FHLB advances / assets | 1.22% | |
| Tier 1 leverage | 9.52% (p17 of band) | 11.76% |
| Unrealized securities loss / equity | -27.88% (p15 of band) | -6.57% |
| AOCI / equity | -1.04% (p27 of band) | |
| ROA (annualized) | 1.55% (p70 of band) | 1.17% |
| Net interest margin | 4.26% (p66 of band) | 3.93% |
| Efficiency ratio | 63.10% (p43 of band) | |
| Noncurrent loans | 0.31% (p47 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p62 of band) | |
| Reserve coverage of noncurrent | 437.48% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 38.02% (p71 of band) | |
| Auto loans | $5.6M (3.29% of loans; DQ 0.47%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 39 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, reserve under noncurrent |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | charge-offs p90 | capital falling |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 | capital falling |
| 2022-06 | 2 |  | charge-offs p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, noncurrent p90, reserve under noncurrent |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | capital falling, uninsured deposits leaving |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 3 | capital falling, uninsured deposits leaving |  |
| 2024-12 | 2 |  | uninsured deposits leaving |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | securities losses >30% of equity |
| 2026-03 | 1 | securities losses >30% of equity |  |
| 2026-06 | 0 |  | securities losses >30% of equity |

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

- 2026-05-15 [Wyoming Community Bank donates to Boys and Girls Club of Riverton - County 10](https://news.google.com/rss/articles/CBMikAFBVV95cUxQby16RWNUdHdhTEVCdnFBQmdQZmRCcmplZmNtVnNreE9XUjlvZjBGSnp3ajhYZ18wdkpmS0pZanJzZDdOcDlMb1dKUWcxTW0xVzB6WWtvd1djWTAtZ0x3M0xWSlYxYXdBVW41ZEJPQ1pGVzBBcjlQLUVtTzZ0MDh5R1RldEJYbWhONVJDU1hoRG4?oc=5) · County 10
- 2026-03-20 [Wyoming Community Bank shines the spotlight on Shelby Rohrbacher, Mortgage Loan Officer - County 10](https://news.google.com/rss/articles/CBMirAFBVV95cUxON0ZyNjczdV95YXZCRlg3QzVxV2hxRFN4b0x4RzRtRTBKaG9NMXFjTElXaTNYa3I5aUR6Q2VVdS1RMEpvUjQ5UGpVNVBHMEVOWXlyaVo1eld3TWp0ZlpUNnEydDd4ZGRtUTd3RlFvc0VxWVJMQzJQZnF1M3hZb2I0eGNFSHZrNThHbENYNm1iZW5pcndnM0JHVThobkdkVF9KNVp5X3JJaXdVNkNk?oc=5) · County 10
- 2025-10-27 [Casper-based Hilltop Bank to acquire Cheyenne State Bank - Cap City News](https://news.google.com/rss/articles/CBMirwFBVV95cUxPTmFfb055bHkwaGxfRGl0QTNDRzhnbXhUbmV6Q2NQWDVhX0JVaXFobGpJbEo4Q1NENlBaekRFYXVrdExFeG1zWGtaT2lvLUNRcW0xMG0xUEF6bU1nV0tCMGw1NU1PVld0bG90SlNWbEY0M1RwQ1VYNWw1d0gtSnZJczVtTWNsejU4emJqRVV6RDJSVDRvUWpsQy00RGpyYXJ6aTlnbFFnSF9vMjN2MFk0?oc=5) · Cap City News
- 2025-11-07 [Hilltop Bank to acquire Cheyenne State Bank - Cowboy State Daily](https://news.google.com/rss/articles/CBMimgFBVV95cUxNR2J6aWtoS3ZGazg5dHVHUElaRWdXbHNmdTBPb0JOYWg2MzlidTQ2U2Y4eGNIckppQ1BhNDFHYm41cWRxZnJNWmc3VzllVGlsaWRIWWhvOHl0Z3Nhc3VtTG1STkY4a3RiSVQ3V1dSUGxVWlZJamg0LVhXa0s1clBEa3FTNVdCeVlRRzNlLVFKZlMyRkVxWHFqT2NB?oc=5) · Cowboy State Daily
- 2024-04-05 [Wyoming community bank winds down fintech program - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxQb2VpLUZOSy1xaHNvVW0wQ0hsRmVtT1M3ZENYMXRnQzAwbWpZZ25YYTFpSWNoZ2xxMVZHVmZoM1I0aklEQmRpMmhWVndrc0ZneWZzWVVFc08yZnBrSldiWk5icGpPa2g1VEM0eW11aWdwNm53dWd5YVdIM3B3ZGRkTGxVWlpNZUxzNFFPMzRn?oc=5) · American Banker
- 2026-07-30 [#YEE-HAW: It’s the Rodeo Roundup with WRTA and Wyoming Community Bank! - County 10](https://news.google.com/rss/articles/CBMikgFBVV95cUxQRmdmWGVqMWxzNDFrOFNBRmZqUnFhUThvZ2NiZnRoTlZ4d2xCX09PaS0zOFBXc1Y0VUo2YWtDT1VFTFBmcU1EX0ZKbUNrVm1PcnI0ZWlaVnhOZ1hzTlRELUI3aFQ1TXoxYlZNY1I5cVVVNUtyajlYMHozY2RNUldBTGRBRy1HaXE5VW1peEM0V3pjZw?oc=5) · County 10
- 2026-01-07 [Jan. 6 Fremont County Commission meeting recap - County 10](https://news.google.com/rss/articles/CBMidkFVX3lxTFBuUElENHFORjZYTlU5YTNYODJ2SUtqZ3dVdVVUUkxXLTQtcTlfTzhkcEtCSlJPc2dSa056WVRMSnB0MUc0cXFweC10M2Z3SGNNSjZ5VXNtRVJLR2gzTWJoM3NZNThleWRzamYtVkxYZWVrTjZEZWc?oc=5) · County 10
- 2022-07-19 [Behind the scenes with John Linton – Wyoming Community Bank Board of Directors - County 10](https://news.google.com/rss/articles/CBMinwFBVV95cUxOSzFvT1pKdzY1UnRSQ2UySms3TDd0bzIyb0k0SEZ3bUpXT0JiU2h4eEplcTNzNW5Td1dQS0x0cE9CMTFudVh3RGliZENvYTNqYzE0MUJ5ZG83aEtMNkQxcnh1Q3QwYzkzdmo4UkphNm5YbjdpZTZhZ01Fc05INU5SZlNHS3JNYkN6WUREYmZTSGo3bnVQM2ktblQ4SGp5a0E?oc=5) · County 10

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35220 (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/20.json (key "35220", 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