Converse County Bank
Douglas, Wyoming · FDIC Cert #12591
Converse County Bank is an FDIC-insured bank (Certificate #12591) with $936M in total assets and $844M in total deposits as of the Q2 2024 Call Report. Headquartered in Douglas, Wyoming, the bank maintains a Tier 1 capital ratio of 27.03% (Well-Capitalized) and a nonperforming loan ratio of 1.82%. BankHealthData assigns a composite Health Grade of A (88/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Converse County Bank (FDIC cert 12591) is a community bank — $936M in total assets, $844M in deposits, serving the Douglas, 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 27.03% 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 normal: non-performing loan ratio of 1.82% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 70.2% 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 strong: return on assets of 1.78% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Converse County Bank carries a composite BankHealth grade of A (88/100) 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: Converse County Bank
- Total Assets
- $936M
- Total Deposits
- $844M
- Tier 1 Capital Ratio
- 27.03%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.82%
- Liquidity Ratio
- 70.24%
- Return on Assets
- 1.78%
- Headquarters
- Douglas, Wyoming
- FDIC Certificate
- #12591
- Health Grade
- A (88/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Converse County Bank holds a Tier 1 capital ratio of 27.03%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Converse County Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Converse County Bank shows strong financial health indicators. With $936M in assets and a Health Score of 88/100, 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 Converse County Bank Compares
Converse County Bank’s Health Score of 88 is 7 points above the Wyoming state average of 81 across 21 FDIC-insured banks. Its 27.03% Tier 1 capital ratio is 13.0 points above the US banking industry average near 14%. The 1.82% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.78% is in line with or above the national ROA benchmark of ~1.1%. Among 1072 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Converse County Bank is 18 points above the portfolio average of 70.
Frequently Asked Questions
Converse County Bank has a Bank Health Score of A (88/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 27.03%, 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. Converse County Bank's Tier 1 capital ratio of 27.03% and nonperforming loan ratio of 1.82% 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 Converse County Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #12591). 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.
Converse County Bank holds $936M in total assets and $844M in total deposits. It is headquartered in Douglas, Wyoming (FDIC Certificate #12591).
Converse County Bank has a Tier 1 capital ratio of 27.03%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.82%, and the return on assets is 1.78%.
Yes. Converse County Bank is FDIC-insured (Certificate #12591). 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%).
Converse County Bank'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.