First Northern Bank of Wyoming: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Northern Bank of Wyoming of Buffalo, WY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.05% | 1.34% | -0.29% | 36th below |
| ROAE | 14.60% | 13.31% | +1.29% | 64th above |
| Net Interest Margin | 4.26% | 3.93% | +0.33% | 68th above |
| Efficiency Ratio | 72.57% | 61.13% | +11.44% | 23rd bottom |
| PPNR / Avg Assets | 1.24% | 1.68% | -0.44% | 31st below |
| Yield on Earning Assets | 6.26% | 5.67% | +0.59% | 79th top |
| Cost of Funds | 2.07% | 1.88% | +0.19% | 33rd below |
| Net Interest Spread | 3.72% | 3.32% | +0.40% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.54% | 0.94% | -0.40% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.36% | 0.70% | -0.34% | 46th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 35th below |
| ACL / NPLs (Coverage) | 198.83% | 1540.07% | -1341.24% | 48th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.95% | 7.33% | -2.38% | 41st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 358.88% | 1396.99% | -1038.11% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.79% | 19.52% | -8.73% | 7th bottom |
| Tier 1 Ratio | 10.79% | 19.55% | -8.76% | 6th bottom |
| Total Capital Ratio | 11.83% | 20.64% | -8.81% | 7th bottom |
| Leverage Ratio | 7.93% | 12.14% | -4.21% | 2nd bottom |
| Equity / Assets | 6.99% | 11.38% | -4.39% | 6th bottom |
| TCE / Tangible Assets | 6.64% | 11.10% | -4.46% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.42% | 80.64% | -6.22% | 63rd above |
| Core Deposit Ratio | 89.84% | 86.86% | +2.98% | 53rd above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.07% | 5.03% | -0.96% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.67% | 6.84% | +8.83% | 92nd top |
| Loan Growth (Y/Y) | 21.92% | 7.89% | +14.03% | 94th top |
| Deposit Growth (Y/Y) | 14.03% | 6.28% | +7.75% | 90th top |
See First Northern Bank of Wyoming's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Northern Bank of Wyoming, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Northern Bank of Wyoming profile, how to read a UBPR, or how this data updates.