FDIC Cert #35220 · Riverton, Wyoming · Est. 1999

Wyoming Community Bank - FDIC Bank Health Profile

A community-scale look at Wyoming Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$255M
Total assets
C
Health grade · Fair
1.24%
Return on assets
9.2%
Tier 1 capital

Data updated July 2026

The verdict

Wyoming Community Bank earns a PlainBankData health grade of C (62/100), with 9.15% Tier 1 capital, profitable at 1.24% ROA, 66% efficiency ratio.

#2,714
largest of 4,313 FDIC banks by assets
37th
percentile by asset size, nationally
9.15%
Tier 1 ratio - below the 10% well-capitalized line
60th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 35220 · WY C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3690/4307
  • PHOTO-FINISH Farm Bureau Bank FSB · NV
  • TIER1-ADEQ 9.2% Tier 1
  • TEXAS-CLEAN 5.4% Texas
  • ROA-PAR 1.24% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wyoming: Farm Bureau Bank FSB, NV (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Wyoming Community Bank

Lowest and highest poles plus nearest scored peers outside Wyoming, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank and Tr… · IA ·…62/100Farm Bureau Bank FSB · NV · …62/100First Carolina Bank · NC · n…62/100Millennium Bank · TN · near62/100Wyoming Community Bank · WY …62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Wyoming Community Bank · July 2026

Plate reading for Wyoming Community Bank where failures stay rare

Wyoming Community Bank (FDIC Cert #35220) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,690 of 4,307. Tier 1 capital prints at 9.15%, missing the 10% well-capitalized line. The Texas Ratio is 5.45%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.24%. Balance-sheet scale is $255M, 2,714th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farm Bureau Bank FSB (NV), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Wyoming Community Bank

Only 1 FAILURE resolution in Wyoming since 2000

Wyoming Community Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANK OF WYOMING THERMOPOLIS, WY 2009 → CENTRAL BANK & TRUST
  • WESTLAND FS & LA RAWLINS, WY 1991 → RAWLINS NB
  • SWEETWATER FS & LA ROCK SPRINGS, WY 1990 → FIRST SECURITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wyoming banks.

How Wyoming Community Bank's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Wyoming Community Bank's composite health score
Tier 1 Capital Ratio (9.15%) 18/40
Return on Assets (ROA) (1.24%) 20/25
Texas Ratio (5.45%) 16/20
Efficiency Ratio (66.38%) 8/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$255M

Total balance-sheet footings

Total Deposits

$227M

Customer-funded liabilities

Net Loans

$160M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.75% 9.15% 10.55%
Basel III capital ratios - Wyoming Community Bank

Where Wyoming Community Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Wyoming Community Bank's score of 62/100 falls in the highlighted band.

Wyoming Community Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 14th percentile higher than 14% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Wyoming Community Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Wyoming Community Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Wyoming Community Bank's $255M falls in the highlighted band.

Safety metrics: Wyoming Community Bank

Tier 1 capital ratio
Well-capitalized 10%

9.15% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.15%
Texas Ratio
5.45%
Equity Capital
$20M

What these ratios mean →

Earnings posture at Wyoming Community Bank

Return on Assets (ROA)
60th percentile nationally
1.24%
Return on Equity (ROE)
17.19%
Efficiency Ratio
66.38%

What these mean →

Income & expense at Wyoming Community Bank

$14M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Wyoming Community Bank reports a Texas Ratio of 5.45% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.45% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Wyoming Community Bank on FDIC BankFind →

Top banks in Wyoming by total assets

Largest banks headquartered in Wyoming
  1. 1
    Pinnacle Bank - Wyoming $1.3B

    Cody, WY · Grade A

  2. 2
    Hilltop National Bank $1.2B

    Casper, WY · Grade A

  3. 3
    The Converse County Bank $1.1B

    Douglas, WY · Grade A

  4. 4
    First Northern Bank of Wyoming $894M

    Buffalo, WY · Grade B

  5. 5
    Platte Valley Bank $783M

    Torrington, WY · Grade B

Top 5 banks in Wyoming ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($255M here), outside Wyoming so the neighborhood is not state containment.

Westside State Bank $255M · IA First Security Bank and Trust Company $255M · OK Citizens Progressive Bank $255M · LA Commercial State Bank, of Wagner $255M · SD

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Wyoming Community Bank (FDIC Cert #35220) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Wyoming Community Bank Call Report profile · FDIC Failed Bank List · Wyoming FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wyoming

All Wyoming banks →
BankAssetsGradeROA
Pinnacle Bank - WyomingCody $1.3B A 1.28%
Hilltop National BankCasper $1.2B A 1.72%
The Converse County BankDouglas $1.1B A 1.14%
First Northern Bank of WyomingBuffalo $894M B 1.13%
Platte Valley BankTorrington $783M B 1.46%
First National Bank of GilletteGillette $626M A 1.35%
First Federal Bank & TrustSheridan $611M C 0.43%
Jonah Bank of WyomingCasper $558M B 1.92%