Bank of Jackson Hole Trust
Jackson, Wyoming · FDIC Cert #23826
Bank of Jackson Hole Trust is an FDIC-insured bank (Certificate #23826) with $41M in total assets and $3M in total deposits as of the Q2 2024 Call Report. Headquartered in Jackson, Wyoming, the bank maintains a Tier 1 capital ratio of 72.85% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (98/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Jackson Hole Trust (FDIC cert 23826) is a community bank — $41M in total assets, $3M in deposits, serving the Jackson, Wyoming area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 72.85% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 71.3% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.49% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Bank of Jackson Hole Trust carries a composite BankHealth grade of A (98/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Jackson Hole Trust
- Total Assets
- $41M
- Total Deposits
- $3M
- Tier 1 Capital Ratio
- 72.85%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 71.31%
- Return on Assets
- 1.49%
- Headquarters
- Jackson, Wyoming
- FDIC Certificate
- #23826
- Health Grade
- A (98/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Jackson Hole Trust holds a Tier 1 capital ratio of 72.85%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Jackson Hole Trust has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Jackson Hole Trust shows strong financial health indicators. With $41M in assets and a Health Score of 98/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Jackson Hole Trust Compares
Bank of Jackson Hole Trust’s Health Score of 98 is 17 points above the Wyoming state average of 81 across 21 FDIC-insured banks. Its 72.85% Tier 1 capital ratio is 58.8 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.49% is in line with or above the national ROA benchmark of ~1.1%. Among 439 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Bank of Jackson Hole Trust is 28 points above the portfolio average of 70.
Frequently Asked Questions
Bank of Jackson Hole Trust has a Bank Health Score of A (98/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 72.85%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Jackson Hole Trust's Tier 1 capital ratio of 72.85% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Jackson Hole Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #23826). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Jackson Hole Trust holds $41M in total assets and $3M in total deposits. It is headquartered in Jackson, Wyoming (FDIC Certificate #23826).
Bank of Jackson Hole Trust has a Tier 1 capital ratio of 72.85%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 1.49%.
Yes. Bank of Jackson Hole Trust is FDIC-insured (Certificate #23826). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Jackson Hole Trust's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.