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First Federal Bank & Trust

$100M-$1B Specialty: Commercial WY FDIC cert 29537

Designations: ✓ Mutual

Sheridan, WY

3 branches across WY · MT

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 +1.8% year over year ($551.9M on the books).
  • Delinquency rate 3.34%.
  • Return on assets 0.68%.
  • Efficiency ratio 70.52% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.81% 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 Federal Bank & Trust faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 21.4% in tier
  • - Delinquency Rate 2.42% above tier average
  • - Nonperforming Asset Ratio 1.91% above tier average
  • - ROA 0.64% below tier average
  • - Net Interest Margin 0.29% below tier average
  • - Efficiency Ratio 6.04% above tier average
Get updates when First Federal Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Total Assets ? $621.1M
+0.8% YoY -1.8% QoQ
+$234.5M $386.6M
+1.2% YoY
$450.2M
+6.6% YoY
$6.3B
+7.7% YoY
82%
Total Loans ? $479.1M
-1.0% YoY -0.2% QoQ
+$220.7M $258.3M
+1.7% YoY
$256.9M
+8.1% YoY
$3.2B
+9.4% YoY
Top 13.5% in tier
Total Deposits ? $551.9M
+1.8% YoY -2.2% QoQ
+$225.1M $326.7M
+0.7% YoY
$395.8M
+5.2% YoY
$4.9B
+7.3% YoY
84%
Return on Assets ? 0.68%
+58.7% YoY +17.6% QoQ
-0.64% 1.32%
+10.8% YoY
1.35%
+50.4% YoY
1.30%
+12.1% YoY
18%
Net Interest Margin ? 3.69%
+16.6% YoY +3.1% QoQ
-0.29% 3.99%
+5.0% YoY
3.97%
+6.9% YoY
3.95%
+4.9% YoY
36%
Efficiency Ratio ? 70.52%
-11.4% YoY +1.6% QoQ
+6.04% 64.48%
-3.2% YoY
70.09%
-6.6% YoY
70.05%
+2.5% YoY
29%
Delinquency Rate ? 3.34%
+5.1% YoY +6.1% QoQ
+2.42% 0.92%
+15.7% YoY
0.54%
-5.2% YoY
0.98%
+16.3% YoY
Bottom 5.3% in tier
Loan-to-Deposit Ratio ? 86.81%
-2.8% YoY +2.1% QoQ
+8.86% 77.95%
+1.0% YoY
246.53%
+252.1% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 15.73%
+13.2% YoY +20.7% QoQ
-6.30% 22.03%
-0.6% YoY
24.71%
-0.8% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 2.58%
+3.2% YoY +7.9% QoQ
+1.91% 0.67%
+16.4% YoY
0.41%
+17.6% YoY
0.69%
+15.8% YoY
Bottom 4.5% in tier
Tier 1 Capital Ratio ? 13.76%
+3.4% YoY +0.6% QoQ
-2.15% 15.91%
+1.4% YoY
20.04%
+15.3% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.23%
+61.6% YoY +103.1% QoQ
-0.34% 0.57%
+7.6% YoY
0.52%
+37.3% YoY
0.66%
+5.2% YoY
59%

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 15.7%
+1.8pp YoY
+2.7pp QoQ
 -6.4pp 22.1% 24.7% 22.2% 27%
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 15.6%
-1.4pp YoY
-0.4pp QoQ
 +4.0pp 11.6% 16.1% 12.5% 78%
CRE 43.3%
+2.3pp YoY
+1.6pp QoQ
 +3.8pp 39.5% 45.3% 41.4% 59%
1-4 Family 38.0%
+0.4pp YoY
-0.7pp QoQ
 +5.4pp 32.6% 25.2% 31.3% 67%
Consumer 1.5%
+0.1pp YoY
0.0pp QoQ
 -2.6pp 4.1% 4.1% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
CET1 Ratio 13.8%
+0.5pp YoY
+0.1pp QoQ
 -5.1pp 18.8% 25.5% 19.7% 37%
Leverage Ratio 11.1%
+0.1pp YoY
0.0pp QoQ
 -1.1pp 12.2% 11.6% 12.6% 52%
Total Capital Ratio 15.0%
+0.5pp YoY
+0.1pp QoQ
 -4.9pp 19.9% 26.6% 20.8% 38%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Full-Time Employees 87
+4 (+4.8%) YoY
+8 (+10.1%) QoQ
 +28 58 57 482 81%
Assets per Employee ($) $7.1M
-3.9% YoY
-10.8% QoQ
 -$380K $7.5M $8.7M $8.8M 55%
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 0.2%
+0.2pp YoY
+0.2pp QoQ
 -0.1pp 0.3% 0.2% 0.4% 68%
Nonaccrual 3.1%
0.0pp YoY
0.0pp QoQ
 +2.2pp 0.9% 0.6% 1.0% 94%
Allowance Coverage 0.42x
-7.5% YoY
-4.4% QoQ
 -23.74x 24.15x 18.30x 20.23x 7%
Net Charge-off Rate (YTD) 0.4%
+0.3pp YoY
-0.2pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 92%

Profitability

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
ROE 6.5%
+2.1pp YoY
+0.9pp QoQ
 -5.7pp 12.2% 9.7% 11.6% 18%
Cost of Funds (YTD) 2.1%
-0.4pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.6% 1.7% 76%
Net Income ($, YTD) $2.1M
+60.0% YoY
— QoQ
 -$437K $2.6M $3.2M $40.4M 55%

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)

Flatlined Growth

risk
#114 of 529 • Bottom 21.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.68%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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 (3 metrics)

359
Total Loans
size
Value: $479.07M
Peer Median: $258.35M
#359 of 2643 Top 13.5% in $100M-$1B
417
Total Deposits
size
Value: $551.86M
Peer Median: $326.73M
#417 of 2643 Top 15.7% in $100M-$1B
479
Total Assets
size
Value: $621.05M
Peer Median: $386.57M
#479 of 2643 Top 18.1% in $100M-$1B

Top Weaknesses (3 metrics)

2524
Nonperforming Asset Ratio
credit_quality
Value: 2.58%
Peer Median: 0.67%
#2524 of 2643 Bottom 4.5% in $100M-$1B
2495
Delinquency Rate
credit_quality
Value: 3.34%
Peer Median: 0.92%
#2495 of 2633 Bottom 5.3% in $100M-$1B
2162
Return on Assets
profitability
Value: 0.68%
Peer Median: 1.32%
#2162 of 2643 Bottom 18.2% in $100M-$1B
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