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First Northern Bank of Wyoming

$100M-$1B Specialty: Commercial WY FDIC cert 2208

Buffalo, WY

5 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 +14.0% year over year ($869.8M on the books).
  • Delinquency rate 0.55%.
  • Return on assets 1.17%.
  • Efficiency ratio 70.80% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.62% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 17 in WY
View $100M-$1B leaderboard (WY) →

First Northern Bank of Wyoming has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.18% above tier average
  • + Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 40.8% in tier
  • - ROA 0.15% below tier average
  • - Efficiency Ratio 6.32% above tier average
Get updates when First Northern Bank of Wyoming releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Total Assets ? $982.6M
+15.7% YoY +3.8% QoQ
+$596.1M $386.6M
+1.2% YoY
$450.2M
+6.6% YoY
$6.3B
+7.7% YoY
Top 0.6% in tier
Total Loans ? $640.4M
+22.0% YoY +6.1% QoQ
+$382.0M $258.3M
+1.7% YoY
$256.9M
+8.1% YoY
$3.2B
+9.4% YoY
Top 4.5% in tier
Total Deposits ? $869.8M
+14.0% YoY +1.7% QoQ
+$543.1M $326.7M
+0.7% YoY
$395.8M
+5.2% YoY
$4.9B
+7.3% YoY
Top 0.2% in tier
Return on Assets ? 1.17%
+4.7% YoY -10.3% QoQ
-0.15% 1.32%
+10.8% YoY
1.35%
+50.4% YoY
1.30%
+12.1% YoY
45%
Net Interest Margin ? 4.17%
+5.6% YoY +3.4% QoQ
+0.18% 3.99%
+5.0% YoY
3.97%
+6.9% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 70.80%
+1.4% YoY +4.1% QoQ
+6.32% 64.48%
-3.2% YoY
70.09%
-6.6% YoY
70.05%
+2.5% YoY
28%
Delinquency Rate ? 0.55%
+73.9% YoY -73.3% QoQ
-0.37% 0.92%
+15.7% YoY
0.54%
-5.2% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 73.62%
+7.0% YoY +4.3% QoQ
-4.33% 77.95%
+1.0% YoY
246.53%
+252.1% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 18.30%
-4.0% YoY +0.2% QoQ
-3.73% 22.03%
-0.6% YoY
24.71%
-0.8% YoY
21.98%
-0.6% YoY
37%
Nonperforming Asset Ratio ? 0.36%
+60.5% YoY -72.7% QoQ
-0.31% 0.67%
+16.4% YoY
0.41%
+17.6% YoY
0.69%
+15.8% YoY
47%
Tier 1 Capital Ratio ? 10.79%
-12.1% YoY -4.9% QoQ
-5.12% 15.91%
+1.4% YoY
20.04%
+15.3% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.41%
-2.5% YoY +102.2% QoQ
-0.16% 0.57%
+7.6% YoY
0.52%
+37.3% YoY
0.66%
+5.2% YoY
Top 14.2% in tier

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 18.3%
-0.8pp YoY
0.0pp QoQ
 -3.8pp 22.1% 24.7% 22.2% 37%
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 12.0%
+0.2pp YoY
+0.5pp QoQ
 +0.5pp 11.6% 16.1% 12.5% 64%
CRE 41.9%
-0.2pp YoY
+0.3pp QoQ
 +2.3pp 39.5% 45.3% 41.4% 57%
1-4 Family 19.3%
-0.5pp YoY
-0.5pp QoQ
 -13.3pp 32.6% 25.2% 31.3% 28%
Consumer 4.2%
-0.6pp YoY
0.0pp QoQ
 0.0pp 4.1% 4.1% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
CET1 Ratio 10.8%
-1.5pp YoY
-0.6pp QoQ
 -8.0pp 18.8% 25.5% 19.7% 6%
Leverage Ratio 7.9%
-0.4pp YoY
-0.2pp QoQ
 -4.2pp 12.2% 11.6% 12.6% 2%
Total Capital Ratio 11.8%
-1.5pp YoY
-0.6pp QoQ
 -8.1pp 19.9% 26.6% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Full-Time Employees 158
+15 (+10.5%) YoY
+2 (+1.3%) QoQ
 +99 58 57 482 98%
Assets per Employee ($) $6.2M
+4.7% YoY
+2.5% QoQ
 -$1.3M $7.5M $8.7M $8.8M 37%
Branch Count 5
0 YoY
0 QoQ
 0 4 4 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
-1.5pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 16%
Nonaccrual 0.5%
+0.3pp YoY
0.0pp QoQ
 -0.4pp 0.9% 0.6% 1.0% 54%
Allowance Coverage 1.99x
-43.9% YoY
+273.6% QoQ
 -22.16x 24.15x 18.30x 20.23x 47%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 70%

Profitability

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
ROE 15.9%
0.0pp YoY
-1.4pp QoQ
 +3.7pp 12.2% 9.7% 11.6% 73%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
+0.1pp QoQ
 +0.3pp 1.7% 1.6% 1.7% 69%
Net Income ($, YTD) $5.5M
+15.8% YoY
— QoQ
 +$2.9M $2.6M $3.2M $40.4M 90%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#514 of 1256 • Bottom 40.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.55%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

7
Total Deposits
size
Value: $869.83M
Peer Median: $326.73M
#7 of 2643 Top 0.2% in $100M-$1B
18
Total Assets
size
Value: $982.64M
Peer Median: $386.57M
#18 of 2643 Top 0.6% in $100M-$1B
119
Total Loans
size
Value: $640.35M
Peer Median: $258.35M
#119 of 2643 Top 4.5% in $100M-$1B
375
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.57%
#375 of 2643 Top 14.2% in $100M-$1B

Top Weaknesses (1 metrics)

2111
Tier 1 Capital Ratio
capital
Value: 10.79%
Peer Median: 15.91%
#2111 of 2643 Bottom 20.2% in $100M-$1B
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