Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
Third And Buffalo
Rawlins, WY 82301

Bank of Commerce (WY) is headquartered in Rawlins and is the 23rd largest bank in the state of Wyoming. It is also the 4,181st largest bank in the nation. It was established in 1978 and as of March of 2014, it had grown to 24 employees at 1 location. Bank of Commerce (WY) has a B+ health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of Commerce (WY) had $1.31 million in non-current loans and owned real-estate with $14.34 million in equity and loan loss allowances on hand to cover it. This gives Bank of Commerce (WY) a Texas Ratio of 9.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Commerce (WY) increased slightly from 0.28% as of March 31, 2013 to 9.11% as of March 31, 2014, resulting in a negative change of 3,158.17%. This indicates that the balance sheet and financial strength for Bank of Commerce (WY) has declined slightly in recent periods.

Deposit Growth


In the past year, Bank of Commerce (WY) has increased its total deposits by $1.38 million, resulting in 1.26% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Commerce (WY) has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Commerce (WY) has $124.77 million in assets with $14.34 million in equity, resulting in a capitalization level of 11.49%, which is excellent.

Institution Statistics

FDIC Certificate #22639
Year Established1978
Primary RegulatorFED
Assets and Liabilities
Assets$124.77 million
Loans$42.84 million
Deposits$111.33 million
Equity Capital$13.32 million
Loan Loss Allowance$1.01 million
Unbacked Noncurrent Loans$1.29 million
Real Estate Owned$16,000
Historic Data - March 2013
Assets$123.50 million
Equity Capital$13.31 million
Loan Loss Allowance$1.00 million
Unbacked Noncurrent Loans$1.29 million
Real Estate Owned$18,000
Profit Margin - Quarterly
Net Interest Margin3.41%
Return on Assets0.91%
Return on Equity8.63%
Interest Income$1.03 million

Sorry, we do not have rate data for Bank of Commerce (WY)


Bank of Commerce (WY) Locations
Bank Of CommerceThird and BuffaloRawlins, WY 82301