First Northern Bank of Wyoming
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Data as of · sourced from FFIEC call reports. How we update
First Northern Bank of Wyoming is an FDIC-insured commercial bank headquartered in Buffalo, WY, supervised by the Federal Reserve, with $982.6M in total assets at Q2 2026, up 15.7% from Q2 2025, the 4th largest of 24 banks headquartered in Wyoming. It was established in 1885 and holds FDIC certificate 2208. Its CET1 capital ratio was 10.79% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 2208
- Headquarters
- Buffalo, WY
- Established
- 1885
- Total assets, Q2 2026
- $982.6M
- Assets vs Q2 2025
- +15.7%
- CET1 ratio, Q2 2026
- 10.79%
- Domestic offices
- 5 · First Northern Bank of Wyoming branches FDIC institution directory, current count
- Routing number
- 102300459
- Safety and soundness
- Is First Northern Bank of Wyoming safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Northern Bank of Wyoming call report
- Holding company
- FIRST NATIONAL BUFFALO BANKSHARES, INC.
- Asset rank in state
- 4th of 24 in Wyoming
First Northern Bank of Wyoming operates with a thinner capital cushion than most banks of its size. Based in Buffalo, Wyoming, it had $983 million in assets at June 30, 2026, up 15.7% from a year earlier. It holds common equity equal to 10.79% of its risk-weighted assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 15.11%). It also grew its loan book 21.9% over the year, 4.0 times the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 21.9% and deposits rose 14.0%. The commercial and industrial book ($77 million) is worsening: 2.60% of it is past due or on nonaccrual, up from 1.20% a year earlier. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, First Northern Bank of Wyoming reported a CET1 capital ratio of 10.79%, a return on assets of 1.05%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 4.86%. The figures come from its call report filed with the FFIEC.
Of the 24 banks headquartered in Wyoming, First Northern Bank of Wyoming is the 4th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.8% to $982.6M, loans rose 6.1% and deposits rose 1.7%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 19.5% of total loans, followed by 1-4 family residential loans at 19.1%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in WY; its Buffalo office books 48% of its branch deposits. Judged on its Q2 2026 call report, First Northern Bank of Wyoming meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 141 S Main St, Buffalo, WY 82834
- County
- Johnson
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 2, 1885
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 158
- Domestic deposits
- $869.8M
- Allowance for credit losses
- $7.0M
- Net charge-offs (YTD)
- $197K
- Average total assets
- $953.3M
- Average total loans
- $626.3M
- Average interest-bearing deposits
- $708.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2208
- Fed RSSD
- 868956
- Website
- fnbofwyo.com →
- Parent Holding Company
- FIRST NATIONAL BUFFALO BANKSHARES, INC. (RSSD 1057243)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
First Northern Bank of Wyoming's total assets moved between a low of $746.8M (Q3 2023) and a high of $982.6M (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
$982.6M total assets against $849.5M; $913.9M total liabilities against $786.9M.
$640.4M net loans and leases against $525.1M; $869.8M total deposits against $762.8M.
$264.4M securities against $268.5M; $31.6M cash and balances due against $14.7M.
$14.5M total interest income against $12.2M; $4.7M total interest expense against $4.2M.
$9.8M net interest income against $8.0M.
$2.1M total noninterest income against $1.8M; $9.0M total noninterest expense against $6.8M.
$454K provision for credit losses against $335K.
$2.5M net income against $2.7M.
1.05% return on assets against 1.27%; 4.26% net interest margin against 4.02%.
10.79% CET1 capital ratio against 12.27%; 7.93% tier 1 leverage ratio against 8.30%.
Inside the full First Northern Bank of Wyoming terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Northern Bank of Wyoming rankings
Its closest position to the top of a national ranking is 1,054 of 4,196, for total assets; its furthest is 2,002 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.96% (Q1 2025) to 1.31% (Q1 2026) and its net interest margin ran from 3.71% (Q3 2024) to 4.26% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.79% | 1.05% | 0.54% | 4.86% | 4.26% |
| Q1 2026 | 11.34% | 1.31% | 2.03% | 17.38% | 4.09% |
| Q4 2025 | 12.06% | 1.02% | 0.25% | 1.93% | 4.26% |
| Q3 2025 | 12.37% | 1.25% | 0.27% | 2.05% | 4.12% |
| Q2 2025 | 12.27% | 1.27% | 0.31% | 2.94% | 4.02% |
| Q1 2025 | 12.64% | 0.96% | 0.26% | 2.51% | 3.86% |
| Q4 2024 | 12.52% | 1.19% | 0.20% | 3.66% | 3.88% |
| Q3 2024 | 12.31% | 1.03% | 0.38% | 3.00% | 3.71% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Northern Bank of Wyoming (main office) | Buffalo , WY | 82834 | $416.3M |
| Newcastle Branch | Newcastle , WY | 82701 | $146.8M |
| Sheridan Branch | Sheridan , WY | 82801 | $145.4M |
| Gillette Branch | Gillette , WY | 82716 | $100.5M |
| Douglas Branch | Douglas , WY | 82633 | $60.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 25, 2023 | M&A | Acquired First State Bank of Newcastle merger for the acquired bank | SEC |
| March 25, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 25, 2023 | Structure Change | Acquired First State Bank of Newcastle Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 25, 2008, OCC: Formal Agreement: The First National Bank of Buffalo
- Period: Most recent institution action August 25, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.9% of deposits in WY, rank 9 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $1.2M approved, $194K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Northern Bank of Wyoming
What are First Northern Bank of Wyoming's total assets?
As of the Q2 2026 filing, First Northern Bank of Wyoming reported total assets of $982.6 million in its FFIEC call report.
Where is First Northern Bank of Wyoming headquartered?
It is headquartered in Buffalo, WY, United States.
When was First Northern Bank of Wyoming founded?
It was established in 1885, per the FDIC institution directory.
Is First Northern Bank of Wyoming FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2208). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Northern Bank of Wyoming?
First Northern Bank of Wyoming's primary federal regulator is the Federal Reserve.
What is First Northern Bank of Wyoming's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Northern Bank of Wyoming operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Northern Bank of Wyoming's Texas Ratio?
Its Texas Ratio is 4.86% 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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