Wyoming Bank & Trust

5827 Yellowstone Road
Cheyenne, WY 82009

Notable Rates APY Vs.Others
Savings 0.10% 2.25% →
1-Year CD 0.45% 2.25% →
2-Year CD 0.85% 2.50% →
5-Year CD 1.60% 2.80% →
30-Year Mortgage 3.89% 3.31% →
15-Year Mortgage 3.49% 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Wyoming Bank & Trust is an FDIC insured institution located in Cheyenne, WY. It was founded in 1919 and has approximately $0.19 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 8718
Date Established 1919
Assets $0.19 billion
Loans $0.10 billion
Deposits $0.17 billion
Capital $0.02 billion
 

For a more detailed analysis of Wyoming Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 14, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.15% $1,000 $149,999 Learn MoreShow Less
6 Mo CD
0.25% $1,000 $149,999 Learn MoreShow Less
12 Mo CD
0.45% $1,000 $149,999 Learn MoreShow Less
24 Mo CD
0.85% $1,000 $149,999 Learn MoreShow Less
30 Mo CD
1.05% $1,000 $149,999 Learn MoreShow Less
36 Mo CD
1.05% $1,000 $149,999 Learn MoreShow Less
48 Mo CD
1.45% $10,000 - Learn MoreShow Less
60 Mo CD
1.60% $10,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.45% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $100 - Learn MoreShow Less

Loan Rates - December 14, 2019

Your Current Location: Connecticut, CT 06828

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Wyoming Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Wyoming Bank & Trust Locations


Financial Details

Wyoming Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Wyoming Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Wyoming Bank & Trust U.S. Bank Average
0.04% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Wyoming Bank & Trust had $11,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $24,000,000 in equity and $1,669,000 in loans loss reserves. That gives it a Texas Ratio of 0.04%.

Return on Equity
Wyoming Bank & Trust U.S. Bank Average
20.5% 9.50%

Wyoming Bank & Trust has a Return on Equity of 20.5% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Wyoming Bank & Trust U.S. Bank Average
12.46% 12.76%

Wyoming Bank & Trust has a Capitalization of 12.46% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Wyoming Bank & Trust Balance Sheet Analysis

As of June 30, 2019, Wyoming Bank & Trust had assets of $192,665,000, loans of $103,066,000, and deposits of $166,521,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.07 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.10 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.17 billion
LIABILITIES
Total deposits $0.17 billion
      Interest-bearing deposits $0.12 billion
      Deposits held in domestic offices $0.17 billion
      % insured (estimated) 77.84%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.17 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Wyoming Bank & Trust’s loan portfolio are Commercial Real Estate, Small Business Loans, and Farm Loans.

Compared to other banks in Wyoming, Wyoming Bank & Trust has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.25
Multifamily
Mortgages
7.98
Credit Card Loans 0.00
Consumer Auto Loans 0.18
Small Business Loans 15.01
Construction and Development Loans 9.89
Commercial Real Estate 35.17
Commercial and Industrial Loans 8.38
Farm Loans 14.77

Frequently Asked Questions About Wyoming Bank & Trust

Branches and Savings

Is Wyoming Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #8718.

Why does Wyoming Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Wyoming Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Wyoming Bank & Trust a commercial bank?

Yes

Where are Wyoming Bank & Trust locations?

See branch locations nearby.

Is Wyoming Bank & Trust open on Saturdays?

Is Wyoming Bank & Trust open on Sundays?

What time does Wyoming Bank & Trust open?

What time does Wyoming Bank & Trust close?

Are Wyoming Bank & Trust ATMs Open 24/7?

Do Wyoming Bank & Trust ATMs accept cash deposits?

Can Wyoming Bank & Trust customers use other ATMs?

Do Wyoming Bank & Trust branches have notaries?

Will Wyoming Bank & Trust notarize my document?

What address for Wyoming Bank & Trust should I put for incoming ACH transfers?

Will the Wyoming Bank & Trust branch print checks?

Do Wyoming Bank & Trust checks expire?

Does Wyoming Bank & Trust require US citizenship to open account?

Can Wyoming Bank & Trust close my account?

Does Wyoming Bank & Trust Report to credit bureaus?

Does Wyoming Bank & Trust Use Equifax?

What is Wyoming Bank & Trust's ACH Routing Number?

What is Wyoming Bank & Trust's SWIFT code?

Products

Does Wyoming Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Wyoming Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Wyoming Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Wyoming Bank & Trust offer student loans?

Will Wyoming Bank & Trust cash a check?

Will Wyoming Bank & Trust redeem a savings bond?

Does Wyoming Bank & Trust cash savings bonds?

Will Wyoming Bank & Trust cash money orders?

Can Wyoming Bank & Trust issue a money order?

Does Wyoming Bank & Trust do currency exchange?

Background on The Bank

Who owns Wyoming Bank & Trust?

How long has Wyoming Bank & Trust been around?

Can Wyoming Bank & Trust transfer to other banks?

Does Wyoming Bank & Trust have quick pay?

Does Wyoming Bank & Trust accept rolled coins?

Will Wyoming Bank & Trust accept loose change?

Where is Wyoming Bank & Trust headquarters?

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