BlastPoint's Banking Scorecard
First Northern Bank of Wyoming
Buffalo, WY
5 branches across WY
First Northern Bank of Wyoming has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 2.74% above tier average
- - Delinquency Rate 1.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$946.6M
+11.7% YoY
+5.9% QoQ
|
+$560.5M |
$386.1M
+0.5% YoY
|
$445.8M
+4.9% YoY
|
$6.2B
+9.1% YoY
|
Top 1.8% in tier |
| Total Loans ? |
$603.7M
+21.9% YoY
+8.1% QoQ
|
+$348.0M |
$255.7M
+1.1% YoY
|
$250.1M
+8.7% YoY
|
$3.2B
+10.8% YoY
|
Top 5.9% in tier |
| Total Deposits ? |
$855.3M
+11.9% YoY
+4.2% QoQ
|
+$527.3M |
$328.0M
+0.1% YoY
|
$397.2M
+4.6% YoY
|
$4.8B
+8.2% YoY
|
Top 0.5% in tier |
| Return on Assets ? |
1.30%
+36.1% YoY
+15.2% QoQ
|
+0.03% |
1.27%
+12.9% YoY
|
1.18%
+46.8% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
4.03%
+4.4% YoY
-1.1% QoQ
|
+0.10% |
3.93%
+6.0% YoY
|
3.82%
+5.9% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
68.03%
-6.3% YoY
-3.8% QoQ
|
+2.74% |
65.29%
-4.5% YoY
|
71.89%
-9.4% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
2.05%
+680.8% YoY
+718.1% QoQ
|
+1.16% |
0.89%
+18.8% YoY
|
0.47%
-19.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.1% in tier |
| Loan-to-Deposit Ratio ? |
70.59%
+9.0% YoY
+3.8% QoQ
|
-6.05% |
76.64%
+0.8% YoY
|
68.79%
+12.9% YoY
|
76.70%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
18.26%
-0.6% YoY
-5.2% QoQ
|
-3.76% |
22.02%
-1.0% YoY
|
24.89%
+11.1% YoY
|
22.01%
-1.2% YoY
|
37% |
| Nonperforming Asset Ratio ? |
1.31%
+621.7% YoY
+735.7% QoQ
|
+0.67% |
0.64%
+19.7% YoY
|
0.38%
+6.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.0% in tier |
| Tier 1 Capital Ratio ? |
11.34%
-10.2% YoY
-6.0% QoQ
|
-4.49% |
15.83%
+1.5% YoY
|
19.62%
+12.7% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.20%
-4.9% YoY
-75.2% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.21%
+17.8% YoY
|
0.32%
+4.1% YoY
|
Top 13.7% in tier |
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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.