Wyoming Bank & Trust
Our records indicate that this bank has been acquired by First National Bank.
Headquarters
5827 Yellowstone Rd
Cheyenne, WY 82009
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2026 Overview
General Bank Information
Wyoming Bank & Trust is an FDIC insured institution located in Cheyenne, WY. It was founded in 1919 and has approximately $0.32 billion in assets.
| FDIC Insured | Yes |
| FDIC Certificate | # 8718 |
| Date Established | 1919 |
| Assets | $ 323.67 million |
| Loans | $ 138.28 million |
| Deposits | $ 281.79 million |
| Capital | $ 29.52 million |
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 - November 7, 2026
Your Current Location: Arizona, AZ 85001
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Loan Rates - November 7, 2026
Your Current Location: Arizona, AZ 85001
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Fixed Conforming See Amortization Table |
6.97% | 6.63% | $3,653.92 | |
| 15 Year Fixed Conforming See Amortization Table |
6.99% | 6.75% | $2,831.71 | |
| 30 Year Fixed Conforming See Amortization Table |
7.39% | 7.25% | $2,182.96 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Fixed Conforming See Amortization Table |
6.97% | 6.63% | $3,653.92 | |
| 15 Year Fixed Conforming See Amortization Table |
6.99% | 6.75% | $2,831.71 | |
| 30 Year Fixed Conforming See Amortization Table |
7.39% | 7.25% | $2,182.96 |
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:
Phoenix,Arizona
Wyoming Bank & Trust Locations around zip code 85001
| Branch | Distance | Map | View Lobby Hours |
|---|
Climate Policy and Initiatives
Wyoming Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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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% | 6.04% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2026, Wyoming Bank & Trust had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $29,524,000 in equity and $2,245,000 in loans loss reserves. That gives it a Texas Ratio of 0%.
Return on Equity
| Wyoming Bank & Trust | U.S. Bank Average |
|---|---|
| 14.77% | 11.52% |
Wyoming Bank & Trust has a Return on Equity of 14.77% versus the BestCashCow average of 11.52%. 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 |
|---|---|
| 9.12% | 11.94% |
Wyoming Bank & Trust has a Capitalization of 9.12% versus the BestCashCow average of 11.94. 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, 2025, Wyoming Bank & Trust had assets of $318,327,000, loans of $138,281,000, and deposits of $281,790,000. 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, 2026| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 95.81 million |
| Interest-bearing balances | $ 94.54 million |
| Total securities | $ 70.78 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 138.28 million |
| Loan loss allowance | $ 2.25 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 1.03 million |
| All other assets | $ 6.76 million |
| Total Assets | $ 288.80 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 281.79 million |
| Interest-bearing deposits | $ 223.94 million |
| Deposits held in domestic offices | $ 281.79 million |
| % insured (estimated) | 67.86% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 1.28 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.79 million |
| Total Liabilities | $ 288.80 million |
| Shareholders’ Equity | $ 34.86 million |
Summary Income Statement
June 30, 2026| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 8.18 million |
| Total Interest Expense | $ 3.84 million |
| Net interest income | $ 4.34 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 10.32 million |
| Total non interest expense | $ 11.86 million |
| Pre-tax Net Operating Income | $ 2.29 million |
Bank Loan Profile?
The top three loan types in Wyoming Bank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.
Compared to other banks in Wyoming, Wyoming Bank & Trust has a significantly higher percent of Farm Loans 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 | 11.39 | ✓ | ||
| Multifamily Mortgages |
2.96 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.15 | ✓ | ||
| Small Business Loans | 10.69 | ✓ | ||
| Construction and Development Loans | 6.42 | ✓ | ||
| Commercial Real Estate | 27.86 | ✓ | ||
| Commercial and Industrial Loans | 10.76 | ✓ | ||
| Farm Loans | 10.71 | ✓ | ||
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