First National Bank of Gillette
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Gillette is an FDIC-insured commercial bank headquartered in Gillette, WY, established in 1963 (FDIC certificate 18880), and it is supervised by the OCC. At Q2 2026 it reported total assets of $651.9M, up 10.7% from Q2 2025, the 6th largest of 24 banks headquartered in Wyoming. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.93% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 18880
- Headquarters
- Gillette, WY
- Established
- 1963
- Total assets, Q2 2026
- $651.9M
- Assets vs Q2 2025
- +10.7%
- Tier 1 leverage ratio, Q2 2026
- 14.93%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 102301050
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Gillette call report
- Holding company
- FIRST NATIONAL BANK OF GILLETTE HOLDING COMPANY
- Asset rank in state
- 6th of 24 in Wyoming
First National Bank of Gillette, based in Gillette, Wyoming, reported $652 million in assets at June 30, 2026, up 10.7% from a year earlier. It keeps 3.15 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it funds 14.93% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $2.6 million, 104% above the same quarter a year earlier. Over the same year, loans grew 0.6% and deposits grew 9.4%.
As of June 30, 2026, First National Bank of Gillette reported a return on assets of 1.60%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 1.43%. The figures come from its call report filed with the FFIEC.
Of the 24 banks headquartered in Wyoming, First National Bank of Gillette is the 6th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.1% to $651.9M, loans rose 4.8% and deposits rose 4.1%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 31.5% of total loans, followed by commercial and industrial loans at 21.2%. The FDIC Summary of Deposits lists 3 offices for it, in Gillette, WY. On its Q2 2026 call report, First National Bank of Gillette meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 319 S Gillette Ave, Gillette, WY 82716
- County
- Campbell
- Metro Area
- Gillette, WY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 10, 1963
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $570.0M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- -$23K
- Average total assets
- $656.8M
- Average total loans
- $157.5M
- Average interest-bearing deposits
- $429.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 10, 1963
- FDIC Cert
- 18880
- Fed RSSD
- 890050
- Website
- www.fnbgillette.com →
- Parent Holding Company
- FIRST NATIONAL BANK OF GILLETTE HOLDING COMPANY (RSSD 1057908)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank of Gillette reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank of Gillette's total assets moved between a low of $572.0M (Q2 2024) and a high of $651.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$651.9M total assets against $588.9M; $572.7M total liabilities against $523.2M.
$161.3M net loans and leases against $160.4M; $570.0M total deposits against $521.0M.
$439.3M securities against $394.1M; $46.6M cash and balances due against $30.4M.
$6.7M total interest income against $6.1M; $1.9M total interest expense against $1.8M.
$4.8M net interest income against $4.2M.
$673K total noninterest income against $544K; $2.8M total noninterest expense against $2.8M.
$15K provision for credit losses against $175K.
$2.6M net income against $1.3M.
1.60% return on assets against 0.83%; 3.15% net interest margin against 2.90%.
14.93% tier 1 leverage ratio against 14.78%.
Inside the full First National Bank of Gillette terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First National Bank of Gillette rankings
Its closest position to the top of a national ranking is 758 of 3,606, for efficiency ratio; its furthest is 2,493 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.83% (Q2 2025) to 1.60% (Q2 2026) and its net interest margin ran from 2.57% (Q3 2024) to 3.15% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.93% | 1.60% | 0.72% | 1.43% | 3.15% |
| Q1 2026 | 14.79% | 1.47% | 0.88% | 1.74% | 2.97% |
| Q4 2025 | 14.47% | 1.57% | 0.83% | 1.65% | 3.06% |
| Q3 2025 | 14.86% | 1.53% | 0.75% | 1.63% | 2.91% |
| Q2 2025 | 14.78% | 0.83% | 0.92% | 2.19% | 2.90% |
| Q1 2025 | 14.47% | 1.20% | 0.96% | 2.36% | 2.72% |
| Q4 2024 | 14.06% | 1.15% | 0.97% | 2.54% | 2.60% |
| Q3 2024 | 14.08% | 1.00% | 0.05% | 0.52% | 2.57% |
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Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank of Gillette (main office) | Gillette , WY | 82716 | $472.2M |
| Hwy 59 Branch | Gillette , WY | 82718 | $72.2M |
| R C Ranch Branch | Gillette , WY | 82718 | $25.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 2, 2001, OCC: Formal Agreement: First National Bank of Gillette
- Period: Most recent institution action October 2, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.6% of deposits in WY, rank 12 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $410K approved, $205K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank of Gillette
What are First National Bank of Gillette's total assets?
As of the Q2 2026 filing, First National Bank of Gillette reported total assets of $651.9 million in its FFIEC call report.
Where is First National Bank of Gillette headquartered?
It is headquartered in Gillette, WY, United States.
When was First National Bank of Gillette founded?
It was established in 1963, per the FDIC institution directory.
Is First National Bank of Gillette FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18880). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Gillette?
First National Bank of Gillette's primary federal regulator is the OCC.
How many branches does First National Bank of Gillette operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Gillette's Texas Ratio?
Its Texas Ratio is 1.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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