First Federal Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 1.82 percentage points in Q2 2026, from 86.20% to 88.01%. It was the largest change from Q1 2026 among the key lines here. First Federal Bank & Trust ranks 20th of 24 Wyoming banks on return on assets, in the lower half at 0.76% (Q2 2026). First Federal Bank & Trust reported 0.76% on return on assets for Q2 2026, 0.49 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.76% |
| Tier 1 risk-based capital ratio | 13.76% |
| Total risk-based capital ratio | 15.01% |
| Tier 1 leverage ratio | 11.05% |
| Equity capital to assets | 10.68% |
| Tangible equity to tangible assets | 10.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.13% |
| Non-performing assets ratio | 2.44% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 22.27% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 43.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.76% |
| Return on equity | 7.39% |
| Net interest margin | 3.54% |
| Efficiency ratio | 71.24% |
| Yield on earning assets | 5.46% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.01% |
| Core deposits to total deposits | 89.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.86% |
| Securities to assets | 9.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.84% | 13.84% | 15.09% | 11.31% | 0.83% |
| Q4 2023 | 13.39% | 13.39% | 14.64% | 10.74% | 0.06% |
| Q1 2024 | 13.43% | 13.43% | 14.68% | 10.17% | 0.29% |
| Q2 2024 | 13.11% | 13.11% | 14.36% | 10.48% | 0.23% |
| Q3 2024 | 13.10% | 13.10% | 14.35% | 10.63% | 0.05% |
| Q4 2024 | 13.29% | 13.29% | 14.54% | 10.55% | 0.19% |
| Q1 2025 | 13.18% | 13.18% | 14.43% | 10.81% | 0.41% |
| Q2 2025 | 13.30% | 13.30% | 14.55% | 10.91% | 0.45% |
| Q3 2025 | 13.44% | 13.44% | 14.69% | 11.05% | 0.52% |
| Q4 2025 | 13.37% | 13.37% | 14.62% | 11.12% | 0.34% |
| Q1 2026 | 13.68% | 13.68% | 14.93% | 11.07% | 0.57% |
| Q2 2026 | 13.76% | 13.76% | 15.01% | 11.05% | 0.76% |
First Federal Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Federal Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29537) · FFIEC NIC profile (RSSD 387671)