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Overview / Commentary
445 South Main
Lusk, WY 82225

Lusk State Bank is headquartered in Lusk and is the 28th largest bank in the state of Wyoming. It is also the 5,833rd largest bank in the nation. It was established in 1924 and as of March of 2014, it had grown to 9 employees at 1 location. Lusk 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. Lusk State Bank has a relatively 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 Lusk State Bank had $227,000 in non-current loans and owned real-estate with $6.08 million in equity and loan loss allowances on hand to cover it. This gives Lusk State Bank a Texas Ratio of 3.73% 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 Lusk State Bank decreased slightly from 4.77% as of March 31, 2013 to 3.73% as of March 31, 2014, resulting in a positive change of 21.86%.This indicates that the balance sheet and financial strength for Lusk State Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Lusk State Bank has increased its total deposits by $2.34 million, resulting in 4.95% 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 Lusk 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. Lusk State Bank has $55.28 million in assets with $6.08 million in equity, resulting in a capitalization level of 11.01%, which is excellent.

Institution Statistics

FDIC Certificate #8724
Year Established1924
Primary RegulatorFED
Assets and Liabilities
Assets$55.28 million
Loans$28.12 million
Deposits$49.57 million
Equity Capital$5.66 million
Loan Loss Allowance$428,000
Unbacked Noncurrent Loans$218,000
Real Estate Owned$9,000
Historic Data - March 2013
Assets$52.73 million
Equity Capital$5.45 million
Loan Loss Allowance$433,000
Unbacked Noncurrent Loans$218,000
Real Estate Owned$7,000
Profit Margin - Quarterly
Return on Assets1.1%
Return on Equity10.79%
Interest Income$494,000
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Lusk State Bank Savings Account Rates

0.35%--Health Savings Account
0.25%$100-Personal Savings
0.25%$100-Passbook Savings

Lusk State Bank Money Market Rates

0.25%$2,500-Personal Money Market Savings Account

Lusk State Bank Checking Account Rates

0.25%--NOW Checking

Sorry, but we do not have location data for Lusk State Bank. Its headquarters is located at 445 South Main - Lusk, WY 82225