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Overview / Commentary
695 Parkway Drive
Mountain View, WY 82939

Uinta Bank is headquartered in Mountain View and is the 25th largest bank in the state of Wyoming. It is also the 4,443rd largest bank in the nation. It was established in 1919 and as of March of 2014, it had grown to 17 employees at 2 locations. Uinta Bank has a A health rating.

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Data for Q1 2014

Institution Health


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 Uinta Bank had $796,000 in non-current loans and owned real-estate with $10.75 million in equity and loan loss allowances on hand to cover it. This gives Uinta Bank a Texas Ratio of 7.40% 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 Uinta Bank experienced no significant changes from 7.90% as of March 31, 2013 to 7.40% as of March 31, 2014, resulting in a positive change of 6.31%.This indicates that the balance sheet and financial strength for Uinta Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Uinta Bank has increased its total deposits by $5 million, resulting in 5.42% 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 Uinta 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. Uinta Bank has $112.73 million in assets with $10.75 million in equity, resulting in a capitalization level of 9.54%, which is above average.

Institution Statistics

FDIC Certificate #1167
Year Established1919
Primary RegulatorFED
Assets and Liabilities
Assets$112.73 million
Loans$44.37 million
Deposits$97.30 million
Equity Capital$9.92 million
Loan Loss Allowance$830,000
Unbacked Noncurrent Loans$796,000
Real Estate Owned$0
Historic Data - March 2013
Assets$106.72 million
Equity Capital$9.14 million
Loan Loss Allowance$797,000
Unbacked Noncurrent Loans$796,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.25%
Return on Assets0.84%
Return on Equity9.68%
Interest Income$1.08 million

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Uinta Bank Locations
Evanston Branch140 Yellow Creek RdEvanston, WY 82930
Uinta Bank695 Parkway DriveMountain View, WY 82939