BlastPoint's Banking Scorecard
First National Bank of Gillette
Gillette, WY
3 branches across WY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in WY.
- Deposits +9.4% year over year ($570.0M on the books).
- Delinquency rate 0.73%.
- Return on assets 1.59%.
- Efficiency ratio 51.99% vs a 64.48% peer average.
- Loan-to-deposit ratio 28.30% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank of Gillette has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.26% above tier average
- + Efficiency Ratio 12.49% below tier average
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.97% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$651.9M
+10.7% YoY
+4.1% QoQ
|
+$265.4M |
$386.6M
+1.2% YoY
|
$450.2M
+6.6% YoY
|
$6.3B
+7.7% YoY
|
84% |
| Total Loans ? |
$161.3M
+0.6% YoY
+4.9% QoQ
|
-$97.0M |
$258.3M
+1.7% YoY
|
$256.9M
+8.1% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$570.0M
+9.4% YoY
+4.1% QoQ
|
+$243.3M |
$326.7M
+0.7% YoY
|
$395.8M
+5.2% YoY
|
$4.9B
+7.3% YoY
|
Top 14.5% in tier |
| Return on Assets ? |
1.59%
+48.5% YoY
+3.0% QoQ
|
+0.26% |
1.32%
+10.8% YoY
|
1.35%
+50.4% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
3.02%
+5.5% YoY
+1.4% QoQ
|
-0.97% |
3.99%
+5.0% YoY
|
3.97%
+6.9% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.4% in tier |
| Efficiency Ratio ? |
51.99%
-9.0% YoY
-1.4% QoQ
|
-12.49% |
64.48%
-3.2% YoY
|
70.09%
-6.6% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
0.73%
-21.9% YoY
-18.3% QoQ
|
-0.19% |
0.92%
+15.7% YoY
|
0.54%
-5.2% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
28.30%
-8.1% YoY
+0.7% QoQ
|
-49.65% |
77.95%
+1.0% YoY
|
246.53%
+252.1% YoY
|
79.03%
+2.3% YoY
|
Top 1.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.05%
-0.2% YoY
-0.8% QoQ
|
+0.02% |
22.03%
-0.6% YoY
|
24.71%
-0.8% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.18%
-29.1% YoY
-17.7% QoQ
|
-0.49% |
0.67%
+16.4% YoY
|
0.41%
+17.6% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
14.93%
+1.1% YoY
+1.0% QoQ
|
-0.97% |
15.91%
+1.4% YoY
|
20.04%
+15.3% YoY
|
17.09%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.20%
+9.7% YoY
+99.3% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.52%
+37.3% YoY
|
0.66%
+5.2% YoY
|
49% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.0%
0.0pp YoY -0.2pp QoQ |
-0.1pp | 22.1% | 24.7% | 22.2% | 54% |
| Brokered Deposits | n/a | n/a | 7.9% | 12.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.6%
-3.7pp YoY +0.5pp QoQ |
+10.0pp | 11.6% | 16.1% | 12.5% | 90% |
| CRE |
51.9%
+1.3pp YoY -0.2pp QoQ |
+12.3pp | 39.5% | 45.3% | 41.4% | 73% |
| 1-4 Family |
13.6%
+2.7pp YoY +0.7pp QoQ |
-19.1pp | 32.6% | 25.2% | 31.3% | 17% |
| Consumer |
6.4%
+0.1pp YoY +1.8pp QoQ |
+2.3pp | 4.1% | 4.1% | 5.0% | 83% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 25.5% | 19.7% | n/a |
| Leverage Ratio |
14.9%
+0.2pp YoY +0.1pp QoQ |
+2.8pp | 12.2% | 11.6% | 12.6% | 86% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
64
+1 (+1.6%) YoY -1 (-1.5%) QoQ |
+5 | 58 | 57 | 482 | 66% |
| Assets per Employee ($) |
$10.2M
+9.0% YoY +5.7% QoQ |
+$2.7M | $7.5M | $8.7M | $8.8M | 87% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 4 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.7%
-0.2pp YoY -0.1pp QoQ |
-0.2pp | 0.9% | 0.6% | 1.0% | 64% |
| Allowance Coverage |
2.27x
+31.1% YoY +17.5% QoQ |
-21.88x | 24.15x | 18.30x | 20.23x | 51% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+2.9pp YoY +0.4pp QoQ |
+0.9pp | 12.2% | 9.7% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 18% |
| Net Income ($, YTD) |
$5.0M
+58.8% YoY — QoQ |
+$2.5M | $2.6M | $3.2M | $40.4M | 87% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.