TellerScore

Headquartered in Green River, Wyoming, State Bank is a state-chartered bank with $115.4M in total assets and $104.0M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1997.

Based on its Q2 2026 filing, State Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 24 banks headquartered in Wyoming, it ranks 19th. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is capital cushion (45/100; 9.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.54%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.34%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 87.8% · 27.7% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.56%

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 fell 3 points (70 → 67), mostly because the earnings component improved by 13 points.

TellerScore
656973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202470
Q4 202467
Q1 202570
Q2 202570
Q3 202570
Q4 202568
Q1 202665
Q2 202667
Tier 1 leverage ratio
5.00%9.26%13.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.51%
Q3 202412.18%
Q4 202411.45%
Q1 202510.97%
Q2 202510.28%
Q3 20259.87%
Q4 20259.70%
Q1 20269.60%
Q2 20269.54%
Noncurrent loans
0.00%0.17%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.34%
Q2 20260.34%
Return on assets
0.08%0.58%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.08%
Q3 20240.10%
Q4 20240.17%
Q1 20250.61%
Q2 20250.78%
Q3 20251.05%
Q4 20250.90%
Q1 20260.96%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$115.4M9.54%0.34%1.09%87.8%
Q1 202665$112.2M9.60%0.34%0.96%90.4%
Q4 202568$105.0M9.70%0.00%0.90%93.6%
Q3 202570$104.8M9.87%0.00%1.05%89.9%
Q2 202570$97.6M10.28%0.00%0.78%88.1%
Q1 202570$87.7M10.97%0.00%0.61%95.1%
Q4 202467$81.4M11.45%0.00%0.17%95.1%
Q3 202470$77.0M12.18%0.00%0.10%91.6%
Q2 202473$71.0M13.51%0.00%0.08%93.3%

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 ratio9.54%
22nd
Total risk-based capital0.00%
24th
Problem loans0.34%
55th
Net charge-offs0.00%
68th
Return on assets1.09%
40th
Net interest margin4.42%
76th
Efficiency ratio65.5%
41st
Loans to deposits87.8%
31st
Uninsured deposits27.7%
36th
Loan-loss reserves1.35%
67th
Texas ratio2.6%
51st

Similar-size banks in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
Central Bank and TrustBank Lander, WY78 out of 100, Strong$202.5M8.6%0.00%vs
Buffalo Federal BankBank Buffalo, WY70 out of 100, Strong$202.6M10.4%0.67%vs
Bank of CommerceBank Rawlins, WY80 out of 100, Strong$216.3M11.3%0.02%vs
Tanager BankBank Jackson, WY74 out of 100, Strong$222.3M14.8%0.59%vs
Wyoming Community BankBank Riverton, WY75 out of 100, Strong$262.4M9.5%0.31%vs
Sundance State BankBank Sundance, WY80 out of 100, Strong$290.9M11.9%0.56%vs

Deposit insurance

Is my money safe at State Bank?

Yes. State Bank is an FDIC-insured institution (FDIC certificate #34441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.7% of deposits ($28.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.54%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

State Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
State Bank
Former names
State Bank of Green River
Type
State-chartered bank
FDIC certificate #
34441
RSSD ID
2602828
Primary regulator
FDIC
Holding company
Sbwy Financial Corp
Established
August 18, 1997
Headquarters
30 Shoshone Ave, Green River, WY 82935
Employees
17

Quick answers

State Bank: common questions

Is State Bank FDIC insured?

Yes. State Bank is an FDIC-insured institution (FDIC certificate #34441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is State Bank's TellerScore?

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

Has State Bank ever failed?

There is no failure record for FDIC certificate #34441 in the FDIC failed bank list.

How many branches does State Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Green River

InstitutionScoreAssetsCapitalProblem loansCompare
Trona Valley Community Federal Credit UnionCredit union Green River, WY83 out of 100, Strong$470.1M14.2%0.75%vs
Tanager BankBank Jackson, WY74 out of 100, Strong$222.3M14.8%0.59%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Nebraskaland BankBank North Platte, NE60 out of 100, Moderate$1.1B9.1%0.29%vs
RSNB BankBank Rock Springs, WY59 out of 100, Moderate$381.0M11.8%2.37%vs
BMO Bank National AssociationBank Chicago, IL58 out of 100, Moderate$255.0B11.3%0.92%vs