First Northern Bank of Wyoming: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.67 percentage points higher than in Q1 2026, at 172.64%. First Northern Bank of Wyoming ranks 9th of 23 Wyoming banks on loan-to-deposit ratio, in the upper half at 74.42% (Q2 2026). First Northern Bank of Wyoming reported 74.42% on loan-to-deposit ratio for Q2 2026, 6.42 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $647.3M |
| Net loans and leases | $640.4M |
| Loans held for sale | $4.3M |
| Loans to total assets | 65.88% |
| Loan-to-deposit ratio | 74.42% |
| Net loans to equity capital | 9.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.61% |
| Multifamily (5+ residential) | 3.85% |
| Commercial and industrial | 11.87% |
| Consumer | 4.10% |
| Credit cards | 0.52% |
| Farm | 14.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 172.64% |
| Construction concentration (Tier 1 capital + allowance) | 69.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.40% |
| Interest income on loans | $11.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $440.0M | $688.7M | 27.38% | 11.91% | 5.11% |
| Q4 2023 | $460.7M | $714.0M | 29.31% | 11.67% | 5.18% |
| Q1 2024 | $477.7M | $718.9M | 28.22% | 11.75% | 4.98% |
| Q2 2024 | $496.1M | $705.9M | 28.66% | 11.76% | 4.95% |
| Q3 2024 | $496.9M | $759.6M | 29.15% | 11.31% | 4.97% |
| Q4 2024 | $492.5M | $778.5M | 30.15% | 11.67% | 4.96% |
| Q1 2025 | $500.8M | $764.5M | 29.49% | 11.85% | 4.84% |
| Q2 2025 | $530.9M | $762.8M | 29.56% | 11.65% | 4.71% |
| Q3 2025 | $535.8M | $771.1M | 29.48% | 11.00% | 4.86% |
| Q4 2025 | $564.9M | $820.9M | 29.62% | 10.86% | 4.41% |
| Q1 2026 | $610.3M | $855.3M | 28.34% | 11.34% | 4.12% |
| Q2 2026 | $647.3M | $869.8M | 28.61% | 11.87% | 4.10% |
First Northern Bank of Wyoming loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Northern Bank of Wyoming, freeSource: Call Report Schedule RC-C, 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)