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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Douglas, WY · FDIC certificate #12591 · RSSD 72258
CONVERSE COUNTY BANK is an FDIC-insured institution based in Douglas, WY (FDIC certificate #12591). In its Q3 2026 Call Report it reported total assets of $1.1B, total deposits of $1.0B and net loans of $332M. Its primary federal regulator is FDIC. Its current parent is CONVERSE COUNTY CAPITAL CORPORATION.
Plain-language readout
CONVERSE COUNTY BANK is compared with 890 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: CONVERSE COUNTY BANK reported 0.000, in the 0.0th percentile of 890 peers, where the median is 0.016. Common equity tier 1 ratio: CONVERSE COUNTY BANK reported 0.275, in the 96.4th percentile of 673 peers, where the median is 0.135. Selected CRE loans to gross loans and leases: CONVERSE COUNTY BANK reported 0.124, in the 4.2th percentile of 862 peers, where the median is 0.468. Selected CRE loans to total capital: CONVERSE COUNTY BANK reported 0.354, in the 4.6th percentile of 659 peers, where the median is 2.970. Domestic secured CRE noncurrent ratio: CONVERSE COUNTY BANK reported 0.000, in the 0.0th percentile of 872 peers, where the median is 0.003. Deposit funding ratio: CONVERSE COUNTY BANK reported 0.899, in the 92.3th percentile of 902 peers, where the median is 0.850. Nontrading derivative fair value to assets: CONVERSE COUNTY BANK reported 0.000, in the 0.0th percentile of 533 peers, where the median is 0.000. Unadjusted YTD efficiency ratio: CONVERSE COUNTY BANK reported 0.454, in the 12.4th percentile of 887 peers, where the median is 0.596. Bank equity to assets: CONVERSE COUNTY BANK reported 0.096, in the 34.3th percentile of 894 peers, where the median is 0.104. Cash and securities to assets: CONVERSE COUNTY BANK reported 0.709, in the 98.4th percentile of 895 peers, where the median is 0.208. Quarterly loan growth: CONVERSE COUNTY BANK reported 0.015, in the 43.8th percentile of 886 peers, where the median is 0.018. Loan-to-asset ratio: CONVERSE COUNTY BANK reported 0.280, in the 2.8th percentile of 902 peers, where the median is 0.732. Domestic loans to domestic deposits: CONVERSE COUNTY BANK reported 0.315, in the 2.0nd percentile of 890 peers, where the median is 0.881. Net interest margin: CONVERSE COUNTY BANK reported 2.042, in the 2.6th percentile of 902 peers, where the median is 3.704. Net loans and leases: CONVERSE COUNTY BANK reported 305855.000, in the 1.8th percentile of 902 peers, where the median is 1384981.000. Nonaccrual loans ratio: CONVERSE COUNTY BANK reported 0.000, in the 9.5th percentile of 887 peers, where the median is 0.005. Noncurrent loans ratio: CONVERSE COUNTY BANK reported 0.000, in the 7.9th percentile of 887 peers, where the median is 0.005. Return on assets: CONVERSE COUNTY BANK reported 1.255, in the 49.8th percentile of 902 peers, where the median is 1.260. Return on equity: CONVERSE COUNTY BANK reported 13.370, in the 60.5th percentile of 894 peers, where the median is 12.185. Securities to assets: CONVERSE COUNTY BANK reported 0.512, in the 98.2th percentile of 895 peers, where the median is 0.147. Time deposits maturing within one year: CONVERSE COUNTY BANK reported 0.725, in the 13.8th percentile of 880 peers, where the median is 0.914. Total assets: CONVERSE COUNTY BANK reported 1093243.000, in the 9.5th percentile of 902 peers, where the median is 2016575.000. Total deposits: CONVERSE COUNTY BANK reported 982555.000, in the 14.5th percentile of 902 peers, where the median is 1666886.000. Efficiency ratio (official UBPR): CONVERSE COUNTY BANK reported 0.416, in the 8.8th percentile of 875 peers, where the median is 0.591. Net interest margin (official UBPR): CONVERSE COUNTY BANK reported 0.020, in the 1.8th percentile of 875 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: CONVERSE COUNTY BANK reported 0.045, in the 12.4th percentile of 875 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: CONVERSE COUNTY BANK reported 0.022, in the 81.1th percentile of 875 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: CONVERSE COUNTY BANK reported 0.023, in the 3.8th percentile of 875 peers, where the median is 0.035. Noninterest Income as a percent of Average Assets: CONVERSE COUNTY BANK reported 0.004, in the 28.1th percentile of 875 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: CONVERSE COUNTY BANK reported 0.011, in the 1.9th percentile of 875 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: CONVERSE COUNTY BANK reported 0.001, in the 33.3th percentile of 875 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: CONVERSE COUNTY BANK reported 0.015, in the 42.4th percentile of 875 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: CONVERSE COUNTY BANK reported 0.000, in the 8.6th percentile of 875 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: CONVERSE COUNTY BANK reported 0.015, in the 41.8th percentile of 875 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: CONVERSE COUNTY BANK reported 0.013, in the 49.1th percentile of 875 peers, where the median is 0.013. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: CONVERSE COUNTY BANK reported 0.012, in the 43.8th percentile of 875 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: CONVERSE COUNTY BANK reported 0.991, in the 96.6th percentile of 875 peers, where the median is 0.956. Average Interest-Bearing Funds as a percent of Average Assets: CONVERSE COUNTY BANK reported 0.777, in the 73.1th percentile of 875 peers, where the median is 0.723. Interest Income (TE) as a percent of Average Earning Assets: CONVERSE COUNTY BANK reported 0.045, in the 8.5th percentile of 875 peers, where the median is 0.055. Net Interest Income (TE) as a percent of Average Earning Assets: CONVERSE COUNTY BANK reported 0.023, in the 2.9th percentile of 875 peers, where the median is 0.037. Net Loss as a percent of Average Total Loans and Leases: CONVERSE COUNTY BANK reported 0.000, in the 8.4th percentile of 867 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: CONVERSE COUNTY BANK reported 0.000, in the 0.0th percentile of 867 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: CONVERSE COUNTY BANK reported 0.311, in the 2.1th percentile of 870 peers, where the median is 0.872. Net Income Attributed to Minority Interests as a percent of Average Assets: CONVERSE COUNTY BANK reported 0.000, in the 0.3th percentile of 875 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: CONVERSE COUNTY BANK reported 0.000, in the 4.7th percentile of 875 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: CONVERSE COUNTY BANK reported 0.000, in the 22.1th percentile of 875 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): CONVERSE COUNTY BANK reported 0.015, in the 36.2th percentile of 875 peers, where the median is 0.017. Return on assets (official UBPR): CONVERSE COUNTY BANK reported 0.013, in the 49.1th percentile of 875 peers, where the median is 0.013. Return on equity (official UBPR): CONVERSE COUNTY BANK reported 0.134, in the 59.9th percentile of 874 peers, where the median is 0.122. Estimated uninsured to domestic deposits: CONVERSE COUNTY BANK reported 0.305, in the 48.8th percentile of 829 peers, where the median is 0.310.
Peer history below covers 7 quarters of CONVERSE COUNTY BANK's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.000 | 0.016 | 0.0th | 890 |
| Common equity tier 1 ratio | 0.275 | 0.135 | 96.4th | 673 |
| Selected CRE loans to gross loans and leases | 0.124 | 0.468 | 4.2th | 862 |
| Selected CRE loans to total capital | 0.354 | 2.970 | 4.6th | 659 |
| Domestic secured CRE noncurrent ratio | 0.000 | 0.003 | 0.0th | 872 |
| Deposit funding ratio | 0.899 | 0.850 | 92.3th | 902 |
| Nontrading derivative fair value to assets | 0.000 | 0.000 | 0.0th | 533 |
| Unadjusted YTD efficiency ratio | 0.454 | 0.596 | 12.4th | 887 |
| Bank equity to assets | 0.096 | 0.104 | 34.3th | 894 |
| Cash and securities to assets | 0.709 | 0.208 | 98.4th | 895 |
| Quarterly loan growth | 0.015 | 0.018 | 43.8th | 886 |
| Loan-to-asset ratio | 0.280 | 0.732 | 2.8th | 902 |
| Domestic loans to domestic deposits | 0.315 | 0.881 | 2.0nd | 890 |
| Net interest margin | 2.042 | 3.704 | 2.6th | 902 |
| Net loans and leases | 305855.000 | 1384981.000 | 1.8th | 902 |
| Nonaccrual loans ratio | 0.000 | 0.005 | 9.5th | 887 |
| Noncurrent loans ratio | 0.000 | 0.005 | 7.9th | 887 |
| Return on assets | 1.255 | 1.260 | 49.8th | 902 |
| Return on equity | 13.370 | 12.185 | 60.5th | 894 |
| Securities to assets | 0.512 | 0.147 | 98.2th | 895 |
| Time deposits maturing within one year | 0.725 | 0.914 | 13.8th | 880 |
| Total assets | 1093243.000 | 2016575.000 | 9.5th | 902 |
| Total deposits | 982555.000 | 1666886.000 | 14.5th | 902 |
| Efficiency ratio (official UBPR) | 0.416 | 0.591 | 8.8th | 875 |
| Net interest margin (official UBPR) | 0.020 | 0.036 | 1.8th | 875 |
| Interest Income (TE) as a percent of Average Assets | 0.045 | 0.052 | 12.4th | 875 |
| Interest Expense as a percent of Average Assets | 0.022 | 0.018 | 81.1th | 875 |
| Net Interest Income (TE) % of Avg Assets | 0.023 | 0.035 | 3.8th | 875 |
| Noninterest Income as a percent of Average Assets | 0.004 | 0.006 | 28.1th | 875 |
| Non-Interest Expense as a percent of Average Assets | 0.011 | 0.024 | 1.9th | 875 |
| Provision for Loan Losses % of Avg Assets | 0.001 | 0.001 | 33.3th | 875 |
| Pretax Operating Income (TE) % of Avg Assets | 0.015 | 0.016 | 42.4th | 875 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 8.6th | 875 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.015 | 0.016 | 41.8th | 875 |
| Net Operating Income as a percent of Average Assets | 0.013 | 0.013 | 49.1th | 875 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.012 | 0.012 | 43.8th | 875 |
| Average Earning Assets as a percent of Average Assets | 0.991 | 0.956 | 96.6th | 875 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.777 | 0.723 | 73.1th | 875 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.045 | 0.055 | 8.5th | 875 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.023 | 0.037 | 2.9th | 875 |
| Net Loss as a percent of Average Total Loans and Leases | 0.000 | 0.000 | 8.4th | 867 |
| Total LN&LS-30-89 DAYS Past Due % | 0.000 | 0.003 | 0.0th | 867 |
| Net Loans & Leases as a percent of Total Deposits | 0.311 | 0.872 | 2.1th | 870 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.3th | 875 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 4.7th | 875 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 22.1th | 875 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.015 | 0.017 | 36.2th | 875 |
| Return on assets (official UBPR) | 0.013 | 0.013 | 49.1th | 875 |
| Return on equity (official UBPR) | 0.134 | 0.122 | 59.9th | 874 |
| Estimated uninsured to domestic deposits | 0.305 | 0.310 | 48.8th | 829 |
Peer interpretation
$1B–$10B asset cohort · 895 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 890 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|
| Total assetsASSET | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Total depositsDEP | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Net loansLNLSNET | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Return on assetsROA | > P75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Return on equityROE | > P75 | > P75 | > P75 | P25–75 | P25–75 | P25–75 | — |
| Net interest marginNIMY | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.