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This institution is no longer active

Operations ceased on August 1, 2025. CRA examination history below reflects the period it was active.

WYOMING BANK & TRUST

CHEYENNE, WY · Supervised by FDIC

Est. 1919FDIC #8,718RSSD: FDIC-8718
Part ofFARMERS STATE BANKSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: November 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.67%

Institution Profile

FDIC BankFind

Address

5827 Yellowstone Rd, CHEYENNE, WY

County

Laramie County

Established

January 1, 1919

Total Assets

$318M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$318M

Total Deposits

$282M

Net Loans

$138M

Net Income

$1M

ROA

0.67%

ROE

7.69%

Risk-Based Capital

23.61%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.05%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$282M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202415682.05%7.05%
202316174.53%8.70%
202220680.1%3.88%
202145182.93%3.99%
202065189.25%2.92%
201935785.71%3.92%
201831586.98%2.86%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

5 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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