# CHEYENNE STATE BANK
CHEYENNE, WY · FDIC certificate 57363 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $28.6M | |
| Deposits | $22.4M | |
| Loans and leases | $16.9M | |
| Total equity | $6.1M | |
| Loans / deposits | 73.45% (p51 of band) | 73.21% |
| Liquid assets / assets | 32.80% (p50 of band) | |
| Uninsured deposits / deposits | 11.49% (p19 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 21.07% (p91 of band) | 11.56% |
| Unrealized securities loss / equity | -3.92% (p58 of band) | -6.10% |
| AOCI / equity | 2.60% (p40 of band) | |
| ROA (annualized) | -1.39% (p3 of band) | 1.04% |
| Net interest margin | 5.31% (p94 of band) | 3.83% |
| Efficiency ratio | 127.50% (p97 of band) | |
| Noncurrent loans | 1.26% (p78 of band) | 0.34% |
| Net charge-offs (annualized) | 0.20% (p90 of band) | |
| Reserve coverage of noncurrent | 184.43% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 28.22% (p63 of band) | |
| Auto loans | $60,000 (0.36% of loans; DQ 20.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -34.5% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 2 | deposits shrinking, uninsured deposits leaving | construction >100% equity |
| 2012-12 | 2 | assets shrinking | uninsured deposits leaving |
| 2013-03 | 3 | uninsured deposits leaving |  |
| 2013-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-09 | 4 | construction >100% equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 3 |  | uninsured deposits leaving |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 3 | capital falling, uninsured deposits leaving |  |
| 2014-09 | 4 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 6 | losing money, charge-offs p90 |  |
| 2015-09 | 3 |  | noncurrent p90, reserve under noncurrent, losing money |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 0 |  | construction >100% equity, charge-offs p90 |
| 2016-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | expense ratio p90 |  |
| 2017-06 | 0 |  | expense ratio p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | expense ratio p90 |  |
| 2018-06 | 0 |  | expense ratio p90 |
| 2018-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | uninsured deposits leaving |
| 2019-09 | 1 |  | assets shrinking |
| 2019-12 | 2 | assets shrinking |  |
| 2020-03 | 1 | construction >100% equity | deposits shrinking, assets shrinking |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | expense ratio p90 | capital falling |
| 2021-06 | 1 |  | construction >100% equity |
| 2021-09 | 1 | construction >100% equity | expense ratio p90 |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, expense ratio p90 |  |
| 2022-06 | 1 |  | capital falling, expense ratio p90 |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking |
| 2024-03 | 3 | expense ratio p90, deposits shrinking, assets shrinking | construction >100% equity |
| 2024-06 | 4 | uninsured deposits leaving |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 7 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 6 |  | uninsured deposits leaving |
| 2025-06 | 8 | charge-offs p90, uninsured deposits leaving |  |
| 2025-09 | 8 |  |  |
| 2025-12 | 5 |  | noncurrent p90, reserve under noncurrent, charge-offs p90 |

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

- 2026-09-09 [Customers Shocked As ‘Cybersecurity Incident’ Shuts Down Hilltop Bank Across Wyoming - Cowboy State Daily](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPcWhWWnZlbkpJakxHLTFISzNrVVNCYUpqRy1aZWcxTEVZbzBUMV8zTEdfWDd0VU9ZRk9acmV2Sm9nVEFRWmdQVnozRlp4VFMxSmRBUHlYaGVTMlJ2a2ctQVJoTXZZTFAwLWNjdWN2Tk5NMTJLQV9RSmFra0ZtQVFkUFdLMnlEa0dCS3NsRnotaGpNaFUxXzJLQTNibHk3WWNuMldRLUd0MnNqdw?oc=5) · Cowboy State Daily
- 2026-03-03 [Hilltop Bank completes acquisition of Cheyenne State Bank - Cap City News](https://news.google.com/rss/articles/CBMioAFBVV95cUxQYkRsRkJMRnU1azlfbHlrUWVQY2lFSzBTM0x2bVhXY2hRbDNjREFwSDQ5eXlvMVV5UmVzbVJNQjFtaHNIQzh5WVNUMkt4SnUxLXdHQlVWUGRScTZkRG5jWF8zRVlmTFVIOHM3ajdQVEZMMFdrNkpqeERUUWxJc1MxcFROU0lTdDhWSTlTbzZIcFZWdVJ2RHFKeHUxNzU2bGZn?oc=5) · Cap City News
- 2026-03-03 [Hilltop Bank completes acquisition of Cheyenne State Bank - wyomingnewsnow.tv](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPUkdJWUZWSkN3NVpac05UQTdQQ01aTHRzc25GbF9KdlY0b1lPdG9hbU1DalcyQktXaEdsLXYyMWR1VGFmeDRXV211V3RVbnZCaFY0RlJOeXFfa3hKcTROSDMyVi1FampZbHdQcEVTTUdwWWNxRF95ZVIwa3JtN0xORElRZmtVazZqSy05azhweVJGTG40UEx2Qll2d0NqWTZENkJSUjJwdEJYQjNxWFZHOHJ6dkltS2RSOHZ6MjhrTDJ2TEZfTUlvWF8tUHFmaFBtMVJmWUNKM3AxUQ?oc=5) · wyomingnewsnow.tv
- 2025-10-27 [Hilltop Bank acquires Cheyenne State Bank - WyomingNews.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOZEdWWUtkaWdWM05tUHJ3b1JuY0Fsd1ljejdDb2ZlUkZLbHEyY0RmRjlJem9ENWpDVVJZSmk1a213U0pkUkhQM21xUV9VaEFqQ0I2YjllRkVFY1JYaTlPckFKRjVUMzFmSHp6c1JUNG52OWxJYjZ0QjVNU3FPckNuTGFkam5teDEwVzlFMDhON3Q3dGZhY0NpWTMxTEt0am1henNjTDkxRTc1cnJhdVNGRjNKTnl3VDRZcC02eTZxN29mTEhDYWk2VTNENW43SkFp?oc=5) · WyomingNews.com
- 2025-10-27 [Hilltop Bank Is Set To Acquire Cheyenne State Bank Soon - K2 Radio](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5VSWVOanBTbGdsSDJXNFJIOGlYRzNVbjJIQWpLdnFLUms4ZTdFUmRwNXlnM29lTTZIdnFzVjJGeE4wWEFWb1phaHFrU3lXY2RoYk1BLUhNZlNoRFdES1FBelVKclE?oc=5) · K2 Radio
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57363 (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/19.json (key "57363", 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