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Overview / Commentary
421 Vandehei Avenue
Cheyenne, WY 82003

Tri-County Bank (WY) is headquartered in Cheyenne and is the 27th largest bank in the state of Wyoming. It is also the 5,723rd largest bank in the nation. It was established in 1935 and as of December of 2013, it had grown to 15 employees at 2 locations. Tri-County Bank (WY) has a B health rating.

Reviews (1)

Tri-County Bank - Great Bank

What a difference from the mega banks. Friendly people, great service and they appreciate our business. This is how a bank should be.


Data for Q4 2013

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. Tri-County Bank (WY) has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Tri-County Bank (WY) had $1.27 million in non-current loans and owned real-estate with $7.55 million in equity and loan loss allowances on hand to cover it. This gives Tri-County Bank (WY) a Texas Ratio of 16.89% 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 Tri-County Bank (WY) increased slightly from 11.58% as of December 31, 2012 to 16.89% as of December 31, 2013, resulting in a negative change of 45.81%. This indicates that the balance sheet and financial strength for Tri-County Bank (WY) has declined slightly in recent periods.

Deposit Growth


In the past year, Tri-County Bank (WY) has increased its total deposits by $4.89 million, resulting in 9.99% 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 Tri-County Bank (WY) 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. Tri-County Bank (WY) has $61.26 million in assets with $7.55 million in equity, resulting in a capitalization level of 12.33%, which is excellent.

Institution Statistics

FDIC Certificate #29608
Year Established1935
Primary RegulatorFED
Assets and Liabilities
Assets$61.26 million
Loans$44.63 million
Deposits$53.87 million
Equity Capital$6.71 million
Loan Loss Allowance$843,000
Unbacked Noncurrent Loans$531,000
Real Estate Owned$744,000
Historic Data - December 2012
Assets$58.30 million
Equity Capital$6.49 million
Loan Loss Allowance$756,000
Unbacked Noncurrent Loans$531,000
Real Estate Owned$285,000
Profit Margin - Quarterly
Net Interest Margin3.89%
Return on Assets0.8%
Return on Equity7.42%
Interest Income$2.62 million

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Tri-County Bank (WY) Locations
North College Drive Branch3310 North College DriveCheyenne, WY 82001
Tri-County Bank421 Vandehei AvenueCheyenne, WY 82003