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Overview / Commentary
101 West 19th Street
Cheyenne, WY 82001

Cheyenne State Bank is headquartered in Cheyenne and is the 31st largest bank in the state of Wyoming. It is also the 6,271st largest bank in the nation. It was established in 2002 and as of March of 2014, it had grown to 10 employees at 1 location. Cheyenne State Bank has a B health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Cheyenne State Bank has a low asset base.

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 Cheyenne State Bank had $766,000 in non-current loans and owned real-estate with $6.34 million in equity and loan loss allowances on hand to cover it. This gives Cheyenne State Bank a Texas Ratio of 12.08% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Cheyenne State Bank decreased slightly from 15.37% as of March 31, 2013 to 12.08% as of March 31, 2014, resulting in a positive change of 21.39%.This indicates that the balance sheet and financial strength for Cheyenne State Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Cheyenne State Bank has increased its total deposits by $1.5 million, resulting in 4.87% 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 Cheyenne State Bank has shown is excellent.



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. Cheyenne State Bank has $38.08 million in assets with $6.34 million in equity, resulting in a capitalization level of 16.65%, which is excellent.

Institution Statistics

FDIC Certificate #57363
Year Established2002
Primary RegulatorFDIC
Assets and Liabilities
Assets$38.08 million
Loans$25.94 million
Deposits$32.33 million
Equity Capital$5.73 million
Loan Loss Allowance$616,000
Unbacked Noncurrent Loans$319,000
Real Estate Owned$447,000
Historic Data - March 2013
Assets$36.53 million
Equity Capital$5.61 million
Loan Loss Allowance$638,000
Unbacked Noncurrent Loans$319,000
Real Estate Owned$650,000
Profit Margin - Quarterly
Net Interest Margin4.94%
Return on Assets0.7%
Return on Equity4.5%
Interest Income$438,000

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Cheyenne State Bank Locations
Cheyenne State Bank101 West 19th StreetCheyenne, WY 82001