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1700 N. Federal Boulevard
Riverton, WY 82501

Wyoming Community Bank is headquartered in Riverton and is the 21st largest bank in the state of Wyoming. It is also the 4,086th largest bank in the nation. It was established in 1999 and as of March of 2014, it had grown to 31 employees at 2 locations. Wyoming Community Bank has a C+ 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 Wyoming Community Bank had $2.51 million in non-current loans and owned real-estate with $12.16 million in equity and loan loss allowances on hand to cover it. This gives Wyoming Community Bank a Texas Ratio of 20.60% 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 Wyoming Community Bank increased slightly from 5.85% as of March 31, 2013 to 20.60% as of March 31, 2014, resulting in a negative change of 252.09%. This indicates that the balance sheet and financial strength for Wyoming Community Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Wyoming Community Bank has decreased its total deposits by $-757,000, resulting in -0.67% 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 Wyoming Community Bank has shown is average.



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. Wyoming Community Bank has $129.49 million in assets with $12.16 million in equity, resulting in a capitalization level of 9.39%, which is average.

Institution Statistics

FDIC Certificate #35220
Year Established1999
Primary RegulatorFED
Assets and Liabilities
Assets$129.49 million
Loans$75.39 million
Deposits$112.79 million
Equity Capital$10.68 million
Loan Loss Allowance$1.48 million
Unbacked Noncurrent Loans$1.91 million
Real Estate Owned$600,000
Historic Data - March 2013
Assets$127.71 million
Equity Capital$10.74 million
Loan Loss Allowance$1.38 million
Unbacked Noncurrent Loans$1.91 million
Real Estate Owned$354,000
Profit Margin - Quarterly
Net Interest Margin3.96%
Return on Assets1.22%
Return on Equity14.91%
Interest Income$1.25 million
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Wyoming Community Bank Checking Account Rates

2.01%-$25kReward Checking - Qualifying
0.05%--Reward Checking - Non Qualifying

Wyoming Community Bank Locations
Wyoming Community Bank1700 North Federal BoulevardRiverton, WY 82501
Lander Branch685 MainLander, WY 82520