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Overview / Commentary
3430 East Grand Avenue
Laramie, WY 82073

Wyoming State Bank is headquartered in Laramie and is the 19st largest bank in the state of Wyoming. It is also the 3,756th largest bank in the nation. It was established in 2006 and as of June of 2014, it had grown to 32 employees at 3 locations. Wyoming State Bank has a A health rating.

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Data for Q2 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 June 30, 2014 Wyoming State Bank had $0 in non-current loans and owned real-estate with $20.27 million in equity and loan loss allowances on hand to cover it. This gives Wyoming State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Wyoming State Bank has decreased its total deposits by -$2.99 million, resulting in -2.3% 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 State 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 State Bank has $146.21 million in assets with $20.27 million in equity, resulting in a capitalization level of 13.87%, which is excellent.

Institution Statistics

FDIC Certificate #58395
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$146.21 million
Loans$97.89 million
Deposits$126.98 million
Equity Capital$18.61 million
Loan Loss Allowance$1.66 million
Real Estate Owned$0
Historic Data - June 2013
Assets$148.38 million
Equity Capital$17.79 million
Loan Loss Allowance$1.66 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.76%
Return on Equity6.05%
Interest Income$2.64 million

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Wyoming State Bank Locations
Western Bank Of Cheyenne Branch1525 East Pershing BoulevardCheyenne, WY 82001
Wyoming State Bank3430 East Grand AvenueLaramie, WY 82073
Cheyenne Branch5538 Yellowstone RoadCheyenne, WY 82009