First Northern Bank of Wyoming: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Risk-weighted assets rose 6.7% from Q1 2026 to Q2 2026, ending at $698.3M against $654.2M. It was the largest change among the key lines on this page. On CET1 ratio, First Northern Bank of Wyoming is 2nd from the bottom among 15 Wyoming banks, 10.79% (Q2 2026). First Northern Bank of Wyoming reported 10.79% on CET1 ratio for Q2 2026, 4.29 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.79% |
| Tier 1 risk-based capital ratio | 10.79% |
| Total risk-based capital ratio | 11.83% |
| Tier 1 leverage ratio | 7.93% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $75.3M |
| Tier 1 capital | $75.3M |
| Total risk-based capital | $82.6M |
| Total equity capital | $68.7M |
| Risk-weighted assets | $698.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.99% |
| Tangible equity to tangible assets | 6.64% |
| Equity capital to average assets | 7.21% |
| Internal capital growth rate | 3.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $25.1M |
| Retained earnings | $53.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.03% | 13.03% | 14.08% | 8.25% | $476.4M |
| Q4 2023 | 12.60% | 12.60% | 13.75% | 8.09% | $497.9M |
| Q1 2024 | 12.25% | 12.25% | 13.40% | 8.11% | $517.2M |
| Q2 2024 | 12.10% | 12.10% | 13.19% | 8.05% | $537.2M |
| Q3 2024 | 12.31% | 12.31% | 13.40% | 8.04% | $538.7M |
| Q4 2024 | 12.52% | 12.52% | 13.57% | 7.79% | $539.2M |
| Q1 2025 | 12.64% | 12.64% | 13.72% | 8.07% | $543.0M |
| Q2 2025 | 12.27% | 12.27% | 13.35% | 8.30% | $573.5M |
| Q3 2025 | 12.37% | 12.37% | 13.44% | 8.31% | $583.4M |
| Q4 2025 | 12.06% | 12.06% | 13.18% | 8.17% | $607.1M |
| Q1 2026 | 11.34% | 11.34% | 12.40% | 8.11% | $654.2M |
| Q2 2026 | 10.79% | 10.79% | 11.83% | 7.93% | $698.3M |
First Northern Bank of Wyoming regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Northern Bank of Wyoming, freeSource: Call Report Schedule RC-R, 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 Northern Bank of Wyoming profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2208) · FFIEC NIC profile (RSSD 868956)