TellerScore

Headquartered in Afton, Wyoming, Bank of Star Valley is a state-chartered bank (fed member) with $420.0M in total assets and $368.9M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1996.

Based on its Q2 2026 filing, Bank of Star Valley scores 85/100, which we describe as very strong. That is higher than 88% of 2,650 banks with $100 million – $1 billion. Among 24 banks headquartered in Wyoming, it ranks 3rd. Its strongest component is earnings (100/100; 2.77%), and its lowest is capital cushion (58/100; 10.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.81%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings100/100
Return on assets (annualized): 2.77%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 61.3% · 23.5% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (83 → 85), mostly because the loan quality component improved by 5 points.

TellerScore
838586Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202484
Q4 202485
Q1 202586
Q2 202583
Q3 202584
Q4 202583
Q1 202685
Q2 202685
Tier 1 leverage ratio
5.00%8.14%11.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.24%
Q3 202410.80%
Q4 202410.91%
Q1 202511.29%
Q2 202510.86%
Q3 202510.90%
Q4 202510.39%
Q1 202610.76%
Q2 202610.81%
Noncurrent loans
0.01%0.13%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20240.01%
Q1 20250.05%
Q2 20250.25%
Q3 20250.17%
Q4 20250.18%
Q1 20260.13%
Q2 20260.09%
Return on assets
1.64%2.36%3.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.64%
Q3 20241.74%
Q4 20241.90%
Q1 20252.10%
Q2 20252.31%
Q3 20252.41%
Q4 20252.44%
Q1 20263.08%
Q2 20262.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$420.0M10.81%0.09%2.77%61.3%
Q1 202685$404.5M10.76%0.13%3.08%65.3%
Q4 202583$401.5M10.39%0.18%2.44%64.7%
Q3 202584$395.6M10.90%0.17%2.41%65.1%
Q2 202583$401.4M10.86%0.25%2.31%62.0%
Q1 202586$403.6M11.29%0.05%2.10%62.6%
Q4 202485$396.8M10.91%0.01%1.90%63.1%
Q3 202484$409.2M10.80%0.01%1.74%60.7%
Q2 202484$390.7M11.24%0.01%1.64%60.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.81%
47th
Total risk-based capital18.79%
83rd
Problem loans0.09%
75th
Net charge-offs0.03%
35th
Return on assets2.77%
97th
Net interest margin4.35%
73rd
Efficiency ratio41.4%
95th
Loans to deposits61.3%
81st
Uninsured deposits23.5%
51st
Loan-loss reserves1.35%
68th
Texas ratio0.4%
78th

Similar-size banks in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
Big Horn Federal Savings BankBank Greybull, WY74 out of 100, Strong$399.8M11.3%0.70%vs
Security State BankBank Basin, WY71 out of 100, Strong$449.1M10.4%0.22%vs
RSNB BankBank Rock Springs, WY59 out of 100, Moderate$381.0M11.8%2.37%vs
Rnb State BankBank Rawlins, WY65 out of 100, Moderate$296.2M8.6%0.09%vs
Sundance State BankBank Sundance, WY80 out of 100, Strong$290.9M11.9%0.56%vs
Jonah Bank of WyomingBank Casper, WY76 out of 100, Strong$562.8M9.6%0.00%vs

Deposit insurance

Is my money safe at Bank of Star Valley?

Yes. Bank of Star Valley is an FDIC-insured institution (FDIC certificate #34148). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.5% of deposits ($86.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.79% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Bank of Star Valley lists 3 offices in 3 cities. Most locations:

  • Afton, WY (1)
  • Alpine, WY (1)
  • Thayne, WY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Star Valley
Type
State-chartered bank (Fed member)
FDIC certificate #
34148
RSSD ID
2396604
Primary regulator
FED
Holding company
Star Valley Bancshares Inc
Established
March 25, 1996
Headquarters
384 S Washington St, Afton, WY 83110
Employees
37

Quick answers

Bank of Star Valley: common questions

Is Bank of Star Valley FDIC insured?

Yes. Bank of Star Valley is an FDIC-insured institution (FDIC certificate #34148). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Star Valley's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Star Valley ever failed?

There is no failure record for FDIC certificate #34148 in the FDIC failed bank list.

How many branches does Bank of Star Valley have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Afton

InstitutionScoreAssetsCapitalProblem loansCompare
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Advantage Plus Federal Credit UnionCredit union Pocatello, ID64 out of 100, Moderate$292.4M9.7%0.36%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs