BanksFIRST FEDERAL BANK & TRUST

FIRST FEDERAL BANK & TRUST

SHERIDAN, WYMediumEst. Oct. 16, 1935, midnightFDIC #29537RSSD #387671OCC
Latest · 2025-12-31

FIRST FEDERAL BANK & TRUST is an FDIC-insured commercial bank headquartered in SHERIDAN, WY, established in Oct. 16, 1935, midnight. As of 2025-12-31, the bank reported total assets of $611M and total deposits of $543M. Profitability stands at 0.35% ROA and 3.31% ROE, with a net interest margin of 3.38%. CET1 capital ratio: 13.37%, well above regulatory minimums. NPL ratio: 2.98% · Texas Ratio: 20.70%. Operates 3 domestic branches.

Assets
$611M
Deposits
$543M
Loans
$496M
Equity
$65M

Profitability

Return on Assets (ROA)0.35%
Return on Equity (ROE)3.31%
Net Interest Margin3.38%
Yield on Assets5.60%
Cost of Funds2.35%

Asset Quality

NPL Ratio2.98%
Net Charge-Off Ratio0.05%
Texas Ratio20.70%
NPA Ratio2.42%
ACL / Loans1.34%

Capital & Liquidity

CET1 Ratio13.37%
Tier 1 Capital13.37%
Total Capital Ratio14.62%
Leverage Ratio11.12%
Loan-to-Deposit91.30%

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