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Overview / Commentary
307-885-0000
384 Washington Street
Afton, WY 83110

Bank of Star Valley is headquartered in Afton and is the 22nd largest bank in the state of Wyoming. It is also the 4,179th largest bank in the nation. It was established in 1996 and as of March of 2014, it had grown to 25 employees at 3 locations. Bank of Star Valley has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

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 Star Valley had $998,000 in non-current loans and owned real-estate with $15.19 million in equity and loan loss allowances on hand to cover it. This gives Bank of Star Valley a Texas Ratio of 6.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Bank of Star Valley decreased dramatically from 12.21% as of March 31, 2013 to 6.57% as of March 31, 2014, resulting in a positive change of 46.17%.This indicates that the balance sheet and financial strength for Bank of Star Valley has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Bank of Star Valley has increased its total deposits by $7.32 million, resulting in 7.17% 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 Star Valley has shown is excellent.

Capitalization

GRADE:
A+

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 Star Valley has $124.85 million in assets with $15.19 million in equity, resulting in a capitalization level of 12.16%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #34148
Year Established1996
Employees25
Primary RegulatorFED
Assets and Liabilities
Assets$124.85 million
Loans$75.19 million
Deposits$109.48 million
Equity Capital$13.84 million
Loan Loss Allowance$1.35 million
Unbacked Noncurrent Loans$871,000
Real Estate Owned$127,000
Historic Data - March 2013
Assets$117.57 million
Equity Capital$13.35 million
Loan Loss Allowance$1.47 million
Unbacked Noncurrent Loans$871,000
Real Estate Owned$413,000
Profit Margin - Quarterly
Net Interest Margin3.97%
Return on Assets1.43%
Return on Equity13.05%
Interest Income$1.24 million
Rates

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Bank of Star Valley Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$9k-Health Savings
0.15%$2,500-Passbook Savings
0.15%$2,500-Statement Savings

Bank of Star Valley Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$250k-Money Market Super Plus
0.20%$150k-Money Market

Bank of Star Valley Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$100k-Super Now Account
0.05%$500-Now Account

Bank of Star Valley CD Rates

DetailsAPYMINMAXPRODUCT
1.26%$250-5 Year Certificate
1.00%$250-4 Year Certificate
0.90%$250-3 Year One Time Bump CD
0.75%$250-3 Year Certificate
0.70%$250-2 Year One Time Bump CD
0.55%$250-2 Year Certificate
0.30%$250-1 Year Certificate
0.20%$250-6 Month Certificate
0.15%$250-3 Month Certificate

Bank of Star Valley IRA Rates

DetailsAPYMINMAXPRODUCT
1.36%$250-5 Year IRA Certificate
1.15%$250-3 Year IRA Certificate
0.85%$250-2 Year IRA Certificate
0.50%$250-1 Year IRA Certificate
Locations


Bank of Star Valley Locations
Alpine Branch102 Greys River RoadAlpine, WY 83128
Thayne Branch113 Peterson ParkwayThayne, WY 83127
Bank Of Star Valley384 Washington StreetAfton, WY 83110