Safest Banks in Wyoming 2026
Wyoming has 21 FDIC-insured banks with an average Bank Health Score of 86/100 (A). The safest bank is Bank of Star Valley with a score of 99/100.
Data from FDIC Q2 2024
21 Wyoming banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Wyoming's 21 FDIC-insured banks hold a combined $8.8B in assets. Their average Bank Health Score of 86/100 sits 6.0 points above the national average of 80/100. Across the state, 90% of banks earn an A or B grade for financial health, while 0% fall to a D or F.
The largest bank headquartered in Wyoming is Pinnacle Bank Wyoming with $1.4B in assets and a Bank Health Score of 94/100. The strongest by score is Bank of Star Valley in Afton (99/100, Tier 1 capital 18.10%). The weakest is First Federal Bank&Trust at 57/100, dragged down by an NPL ratio of 2.42%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Wyoming
Bank of Star Valley
Afton, WY
Wyoming's top-rated bank, with a Tier 1 capital ratio of 18.10% — well above the federal "well-capitalized" threshold of 8%. Holds $391M in assets.
Bank of Jackson Hole Trust
Jackson, WY
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $41M in total assets.
Wyoming Bank&Trust
Cheyenne, WY
Third in the rankings on the Bank Health Score. Liquidity ratio of 52.13% and ROA of 1.54%.
Top 20 of 21 Banks in Wyoming
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Bank of Star Valley | Afton | A | 99 | 18.10% | 0.01% |
| 2 | Bank of Jackson Hole Trust | Jackson | A | 98 | 72.85% | 0.00% |
| 3 | Wyoming Bank&Trust | Cheyenne | A | 98 | 20.91% | 0.00% |
| 4 | First Nb of Gillette | Gillette | A | 96 | 35.22% | 0.04% |
| 5 | Central Bank&Trust | Lander | A | 96 | 14.96% | 0.20% |
| 6 | Pinnacle Bank Wyoming | Cody | A | 94 | 15.46% | 0.47% |
| 7 | Big Horn FSB | Greybull | A | 94 | 21.49% | 0.29% |
| 8 | Sundance State Bank | Sundance | A | 93 | 15.90% | 0.84% |
| 9 | Hilltop National Bank | Casper | A | 93 | 13.13% | 0.01% |
| 10 | Rnb State Bank | Rawlins | A | 91 | 14.44% | 0.11% |
| 11 | Uinta Bank | Mountain View | A | 90 | 22.58% | 0.36% |
| 12 | Converse County Bank | Douglas | A | 88 | 27.03% | 1.82% |
| 13 | Summit National Bank | Hulett | A | 88 | 15.93% | 0.32% |
| 14 | Jonah Bank of Wyoming | Casper | A | 86 | 9.97% | 0.00% |
| 15 | First Northern Bank of Wy | Buffalo | A | 85 | 12.10% | 0.54% |
| 16 | Rsnb Bank | Rock Springs | A | 85 | 11.55% | 0.31% |
| 17 | Wyoming Community Bank | Riverton | A | 80 | 9.55% | 0.02% |
| 18 | Cheyenne State Bank | Cheyenne | B | 74 | 26.41% | 0.13% |
| 19 | Cowboy State Bank | Ranchester | B | 68 | 15.98% | 4.23% |
| 20 | Buffalo Federal Bank | Buffalo | C | 61 | 9.86% | 0.79% |
Bank Health Scores for Wyoming are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Bank of Star Valley in Afton is currently the safest bank in Wyoming with a score of 99/100 (Grade A). It posts a Tier 1 capital ratio of 18.10% and a nonperforming loan ratio of 0.01%.
Wyoming has 21 FDIC-insured banks with a combined $8.8B in total assets. The average Bank Health Score across the state is 86/100 (Grade A).
Wyoming's average Bank Health Score of 86/100 is 6.0 points above the national average of 80/100. 90% of banks in Wyoming earn an A or B grade, compared with the national average grade of A.
Of 21 FDIC-insured banks headquartered in Wyoming, 17 earn an A, 2 a B, 2 a C, 0 a D, and 0 an F. The most common grade is A.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).