# JONAH BANK OF WYOMING
CASPER, WY · FDIC certificate 58396 · asset band $300M-1B · 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 | $562.8M | |
| Deposits | $508.0M | |
| Loans and leases | $395.3M | |
| Total equity | $50.8M | |
| Loans / deposits | 76.48% (p38 of band) | 82.04% |
| Liquid assets / assets | 26.50% (p55 of band) | |
| Uninsured deposits / deposits | 47.52% (p94 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.59% (p25 of band) | 10.81% |
| Unrealized securities loss / equity | -9.23% (p46 of band) | -8.10% |
| AOCI / equity | -0.93% (p25 of band) | |
| ROA (annualized) | 2.05% (p88 of band) | 1.28% |
| Net interest margin | 4.96% (p93 of band) | 3.91% |
| Efficiency ratio | 51.12% (p21 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 78% | |
| Construction % of loans | 69.67% (p71 of band) | |
| Auto loans | $159,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 88 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 | uninsured deposits >50% | capital falling |
| 2014-06 | 0 |  | uninsured deposits >50% |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | uninsured deposits >50%, capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 0 |  | uninsured deposits >50%, capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | deposits shrinking |  |
| 2016-03 | 2 | assets shrinking |  |
| 2016-06 | 0 |  | deposits shrinking, assets shrinking |
| 2016-09 | 1 | uninsured deposits >50% |  |
| 2016-12 | 1 | capital falling | uninsured deposits >50% |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 1 | deposits shrinking |  |
| 2018-06 | 0 |  | deposits shrinking |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 | charge-offs p90 | capital falling |
| 2020-09 | 2 | uninsured deposits >50% |  |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 0 |  | charge-offs p90, uninsured deposits >50% |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | deposits shrinking, assets shrinking |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking |
| 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)

- 2025-07-07 [Fed bans Wyoming ex-banker over charity embezzlement - Banking Dive](https://news.google.com/rss/articles/CBMizwFBVV95cUxNTFM3Z2cxUEtONTNUS2FmUVpvOVp5NmxqSF8zUk1SRDFuNUcweUJvNW1LeVB1Vms5VzRvbUJjYW1hU0Frc3RrVzJCVEFqeWpKSHFDWmZITTIyUmJJVERFWXlvVXlKd0ZkYlNmdGFEUVVBOFRDSkh5WHoyMXkxaVNCc1JxR3NqMkw3dlpEM0FHMUFNLURKbTJFbC04dWZEWjZWZzdrT2UxRWJPRzNyX0otMnF0TUItWVVwSUVFNVpyRnpLUDl2WjQyUXBqRXM2cG8?oc=5) · Banking Dive
- 2020-04-13 [Jonah Bank - WyomingNews.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPb1NsOXhNTy1YcVJoekREckJObFdTa09tSDhESmx5bFZaX3dKTFhOUlJHa0gzYTNNWUNVanNGZFIzSWduSnFmYkZmeHhOalo1Q2hia0wyRl9CVURFM2laVVpoUGVvdDFDcDZmWHo5M2lUX0s1eTlkMUk5cnU5VGFRTXMzeW1sZEJ3TVNJRndLVHRsREwycDZfVHV6T1RxaFo5cGtZcWh3VHJZYWhEYS1rVlJyT1RVdExrbC1BdlRsX2tmdw?oc=5) · WyomingNews.com
- 2024-07-25 [(UPDATE) Police arrest suspect following bank robbery - Cap City News](https://news.google.com/rss/articles/CBMiogFBVV95cUxONEJkVmQ1UjdGTTdtZmFVblJnVjlfZmVMTXVrcnVkMmlQR1BYWmNwTnpEX09HMzJUMllzWXdmMWdDM0dPb3RPOEk2WXJ6VXRidDV6bVloTzFkNlJkREZ1N01IbEJlME9rdmRTSHdrMEVzbGY3R3puYmFoWkU0Ti1mZmg4ZExYTG95aS1OY3hsdlB2NFFBNDgtTFZFTEx0eVFLZGc?oc=5) · Cap City News
- 2025-11-14 [Mandy Lee Butler Obituary Nov 7, 2025 - Bustard & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9ZUkNpaF9FT0lzMUZmSlkwSGZPdXUtNENlVDBBd05jaDYxczdDaXlmSUIzVjNSSXpqaWY5Nk1mU2VaMXd1bVlvZU4wc1BRWmRTN2JjN1h3TlpMZ2tjWXFxQTdB?oc=5) · Bustard & Jacoby Funeral Home
- 2021-05-14 [Jody Malm Obituary May 14, 2021 - Schrader, Aragon & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuNjdPRHJOY0hXUVVrbzMxVFlfc3JxdjNmY19MSy1Za2plWER6WGcxcmlQQUlRN3Q0SnRtZVNhRzdEMGMzZVJ2SWY5UE0zODJXNE5RYU56ZEZhdmllNldj?oc=5) · Schrader, Aragon & Jacoby Funeral Home
- 2024-08-03 [“Hero” K-9 visits teller and other employees threatened by bank robber - WyomingNews.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQXy1DbXZZd0lZTW5wRVpmYVhKM2ZuaUVHWWV3OWkyWFQtcUtPZV9qaFNTVWtNU1pXMVNDa2l1ZlRiOThURDhXVjJZc3hiOWZlY3F2THk2OERCbHZidmJKYjU0YmhSaWpINHdFLVJrY01kd3BOdFR6X2R0WktYbzY2ckh0NnhnTEJ6RFl2aUwtd1k3TmZOLUppT1JLcldUUWVXWjlOSTlnbEw2bkxDTjI4STUwSWN6Q1ltcGMyLUhNQkRwQ0tCWW4wdW1RSHd5VHlfTzg4aGZPMllCUXhSOUQ5cm9nZDBac3VRWjdHYkFWX3JjbHBP?oc=5) · WyomingNews.com
- 2024-08-01 [Cheyenne Man Jailed for Bank Robberies Now Facing Another Felony - KGAB](https://news.google.com/rss/articles/CBMiswJBVV95cUxNQ0hOYUg4dVp1UFZ2TGc0bVF4QWVSUWJCcXo2ZHBJdXhQQkZBaDRFeWpNSHVMOXRTU3YtVER4YzVLQS1ULWxuSHpJS1M2NnhMRlY1SXk3NWIzQUpQV2llbEs0TWpkajh3SE90MU5VbUp2RkM5WEVHWWtaVXNyZ1ZEUDNVUmQ2OXhQNVBJX2Q1WmJGYkw1MjNVVkotSm4wYkRsVm1pR2dJMGt5dFBFNGtHWW1xeHJpZG9pUXVIbDVfaXFQdmtBRmdmQmZWMTdVLUVIVFdyNnJ4WHlXMFZVLVRRWVMyU1BPaUJjYWNNMm5FVnNaYzVfaFJSbFRsZHpIaEdzRkI0bEx1Q3lVaUF5S3lRMnJwN2hvQ3c0SU1KOWpkaHpBcGRMdFp6TExudFo1aFdmUlNR?oc=5) · KGAB
- 2011-04-14 [Encore Gets Funding for $9 Million Assisted Living Community in Wyoming - Senior Housing News](https://news.google.com/rss/articles/CBMisgFBVV95cUxQaXhlUTNPbmtGdkJCWlBwb1BhU3UxTjZzcTJKeld5UDNnbllOd2xjSVhWTXhaRExuV2d3d3A1Nk81c0g1bktjTTFOQ0NfRjMzMUJtcDB3MlYwVVV1QmtfZEdVQWFKanFPWktnTnZQS09iWk9qYjJLc1lqTGhkZy1KQjdpMXI4cGxVSjFSRGc0dnM0ZUd4dWhoazloYlhwYzJSS3lfWWlBVkxWaFM1YnBOQ0Z3?oc=5) · Senior Housing News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58396 (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/28.json (key "58396", 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