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Overview / Commentary
2020 Grand Ave
Laramie, WY 82070

Capital West Bank is headquartered in Laramie and is the 15st largest bank in the state of Wyoming. It is also the 3,518st largest bank in the nation. It was established in 1964 and as of June of 2014, it had grown to 44 employees at 3 locations. Capital West Bank has a A health rating.

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Data for Q2 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 June 30, 2014 Capital West Bank had $513,000 in non-current loans and owned real-estate with $21.78 million in equity and loan loss allowances on hand to cover it. This gives Capital West Bank a Texas Ratio of 2.35% 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 Capital West Bank decreased dramatically from 4.01% as of June 30, 2013 to 2.35% as of June 30, 2014, resulting in a positive change of 41.29%.This indicates that the balance sheet and financial strength for Capital West Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Capital West Bank has decreased its total deposits by -$1.12 million, resulting in -0.79% 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 Capital West Bank has shown is 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. Capital West Bank has $162.04 million in assets with $21.78 million in equity, resulting in a capitalization level of 13.44%, which is excellent.

Institution Statistics

FDIC Certificate #19266
Year Established1964
Primary RegulatorFED
Assets and Liabilities
Assets$162.04 million
Loans$103.51 million
Deposits$140.35 million
Equity Capital$20.32 million
Loan Loss Allowance$1.47 million
Unbacked Noncurrent Loans$268,000
Real Estate Owned$245,000
Historic Data - June 2013
Assets$165.32 million
Equity Capital$19.85 million
Loan Loss Allowance$1.96 million
Unbacked Noncurrent Loans$268,000
Real Estate Owned$194,000
Profit Margin - Quarterly
Return on Assets1.14%
Return on Equity9.53%
Interest Income$3.13 million

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Capital West Bank Locations
Cheyenne Branch2015 Central AvenueCheyenne, WY 82001
Capital West Bank2020 Grand AveLaramie, WY 82070
Capital West National Bank Branch2108 Milestone DriveFort Collins, CO 80525