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Overview / Commentary
890 West Broadway
Jackson, WY 83001

Rocky Mountain Bank (WY) is headquartered in Jackson and is the 13st largest bank in the state of Wyoming. It is also the 2,920th largest bank in the nation. It was established in 1983 and as of March of 2014, it had grown to 39 employees at 3 locations. Rocky Mountain Bank (WY) has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
C+

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 Rocky Mountain Bank (WY) had $6.56 million in non-current loans and owned real-estate with $26.71 million in equity and loan loss allowances on hand to cover it. This gives Rocky Mountain Bank (WY) a Texas Ratio of 24.56% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Rocky Mountain Bank (WY) decreased dramatically from 59.82% as of March 31, 2013 to 24.56% as of March 31, 2014, resulting in a positive change of 58.94%.This indicates that the balance sheet and financial strength for Rocky Mountain Bank (WY) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Rocky Mountain Bank (WY) has increased its total deposits by $17.62 million, resulting in 12.01% 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 Rocky Mountain Bank (WY) 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. Rocky Mountain Bank (WY) has $211.82 million in assets with $26.71 million in equity, resulting in a capitalization level of 12.61%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #24334
Year Established1983
Employees39
Primary RegulatorFED
Assets and Liabilities
Assets$211.82 million
Loans$138.60 million
Deposits$164.35 million
Equity Capital$25.14 million
Loan Loss Allowance$1.58 million
Unbacked Noncurrent Loans$5.45 million
Real Estate Owned$1.11 million
Historic Data - March 2013
Assets$203.47 million
Equity Capital$19.55 million
Loan Loss Allowance$1.99 million
Unbacked Noncurrent Loans$5.45 million
Real Estate Owned$1.33 million
Profit Margin - Quarterly
Net Interest Margin4.99%
Return on Assets3.37%
Return on Equity28.98%
Interest Income$2.46 million
Rates

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Locations


Rocky Mountain Bank (WY) Locations
Pinedale Branch145 East Pine StreetPinedale, WY 82941
Rock Springs Branch2515 Foothill Blvd.Rock Springs, WY 82901
Rocky Mountain Bank890 West BroadwayJackson, WY 83001