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Overview / Commentary
Whalen Street And Wyoming Avenue
Guernsey, WY 82214

Oregon Trail Bank is headquartered in Guernsey and is the 32nd largest bank in the state of Wyoming. It is also the 6,412st largest bank in the nation. It was established in 1964 and as of March of 2014, it had grown to 13 employees at 3 locations. Oregon Trail Bank has a C 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. Oregon Trail 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 Oregon Trail Bank had $1.04 million in non-current loans and owned real-estate with $2.69 million in equity and loan loss allowances on hand to cover it. This gives Oregon Trail Bank a Texas Ratio of 38.72% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Oregon Trail Bank experienced no significant changes from 38.99% as of March 31, 2013 to 38.72% as of March 31, 2014, resulting in a positive change of 0.69%.This indicates that the balance sheet and financial strength for Oregon Trail Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Oregon Trail Bank has increased its total deposits by $963,000, resulting in 3.46% 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 Oregon Trail 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. Oregon Trail Bank has $32.01 million in assets with $2.69 million in equity, resulting in a capitalization level of 8.41%, which is average.

Institution Statistics

FDIC Certificate #19118
Year Established1964
Primary RegulatorFED
Assets and Liabilities
Assets$32.01 million
Loans$16.19 million
Deposits$28.83 million
Equity Capital$2.52 million
Loan Loss Allowance$172,000
Real Estate Owned$1.04 million
Historic Data - March 2013
Assets$31.05 million
Equity Capital$2.53 million
Loan Loss Allowance$152,000
Real Estate Owned$1.05 million
Profit Margin - Quarterly
Net Interest Margin3.8%
Return on Assets0.06%
Return on Equity0.8%
Interest Income$275,000

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Oregon Trail Bank Locations
Chugwater Branch302 Second StreetChugwater, WY 82210
4007 Greenway Street Branch4007 Greenway StreetCheyenne, WY 82001
Oregon Trail BankWhalen Street and Wyoming AvenueGuernsey, WY 82214