First National Bank of Gillette: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 20.53 percentage points higher than in Q1 2026, at 227.09%. Within Wyoming, First National Bank of Gillette is 9th of 24 on return on assets, 1.60% as of Q2 2026, above the middle of the field. First National Bank of Gillette reported 1.60% on return on assets for Q2 2026, 0.34 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.93% |
| Equity capital to assets | 12.15% |
| Tangible equity to tangible assets | 12.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.72% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 1.43% |
| Allowance for credit losses to loans | 1.63% |
| Reserve coverage of non-performing loans | 227.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 13.50% |
| Net interest margin | 3.15% |
| Efficiency ratio | 49.70% |
| Yield on earning assets | 4.32% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 28.77% |
| Core deposits to total deposits | 88.43% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.44% |
| Securities to assets | 67.39% |
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 | 35.58% | 35.58% | 36.56% | 13.41% | 0.82% |
| Q4 2023 | 36.92% | 36.92% | 37.97% | 13.24% | 0.90% |
| Q1 2024 | 37.05% | 37.05% | 38.11% | 13.71% | 0.87% |
| Q2 2024 | 35.22% | 35.22% | 36.24% | 13.76% | 0.99% |
| Q3 2024 | 35.78% | 35.78% | 36.83% | 14.08% | 1.00% |
| Q4 2024 | 34.39% | 34.39% | 35.43% | 14.06% | 1.15% |
| Q1 2025 | — | — | — | 14.47% | 1.20% |
| Q2 2025 | — | — | — | 14.78% | 0.83% |
| Q3 2025 | — | — | — | 14.86% | 1.53% |
| Q4 2025 | — | — | — | 14.47% | 1.57% |
| Q1 2026 | — | — | — | 14.79% | 1.47% |
| Q2 2026 | — | — | — | 14.93% | 1.60% |
First National Bank of Gillette vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Gillette, 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 National Bank of Gillette profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18880) · FFIEC NIC profile (RSSD 890050)