BlastPoint's Banking Scorecard
First Federal Bank & Trust
Designations: ✓ Mutual
Sheridan, WY
3 branches across WY · MT
First Federal Bank & Trust faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.26% above tier average
- - Nonperforming Asset Ratio 1.75% above tier average
- - ROA 0.69% below tier average
- - Net Interest Margin 0.35% below tier average
- - Efficiency Ratio 4.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$632.5M
+2.0% YoY
+3.6% QoQ
|
+$246.4M |
$386.1M
+0.5% YoY
|
$445.8M
+4.9% YoY
|
$6.2B
+9.1% YoY
|
83% |
| Total Loans ? |
$479.8M
-0.3% YoY
-1.9% QoQ
|
+$224.1M |
$255.7M
+1.1% YoY
|
$250.1M
+8.7% YoY
|
$3.2B
+10.8% YoY
|
Top 12.8% in tier |
| Total Deposits ? |
$564.2M
+1.5% YoY
+3.9% QoQ
|
+$236.3M |
$328.0M
+0.1% YoY
|
$397.2M
+4.6% YoY
|
$4.8B
+8.2% YoY
|
85% |
| Return on Assets ? |
0.58%
+41.8% YoY
+34.2% QoQ
|
-0.69% |
1.27%
+12.9% YoY
|
1.18%
+46.8% YoY
|
1.23%
+13.4% YoY
|
15% |
| Net Interest Margin ? |
3.58%
+18.0% YoY
+7.1% QoQ
|
-0.35% |
3.93%
+6.0% YoY
|
3.82%
+5.9% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
69.38%
-14.0% YoY
-13.9% QoQ
|
+4.10% |
65.29%
-4.5% YoY
|
71.89%
-9.4% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
3.15%
+6.0% YoY
+1.2% QoQ
|
+2.26% |
0.89%
+18.8% YoY
|
0.47%
-19.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.7% in tier |
| Loan-to-Deposit Ratio ? |
85.03%
-1.7% YoY
-5.6% QoQ
|
+8.40% |
76.64%
+0.8% YoY
|
68.79%
+12.9% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
13.03%
+17.1% YoY
+3.5% QoQ
|
-8.99% |
22.02%
-1.0% YoY
|
24.89%
+11.1% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
2.39%
+3.7% YoY
-4.2% QoQ
|
+1.75% |
0.64%
+19.7% YoY
|
0.38%
+6.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.8% in tier |
| Tier 1 Capital Ratio ? |
13.68%
+3.8% YoY
+2.3% QoQ
|
-2.15% |
15.83%
+1.5% YoY
|
19.62%
+12.7% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.11%
+72.3% YoY
-61.1% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.21%
+17.8% YoY
|
0.32%
+4.1% YoY
|
59% |
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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.