First Northern Bank of Wyoming: 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: 9.78 percentage points lower than in Q1 2026, at 198.83%. Within Wyoming, First Northern Bank of Wyoming is 18th of 24 on return on assets, 1.05% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Northern Bank of Wyoming sits 0.20 points lower, at 1.05% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.79% |
| Tier 1 risk-based capital ratio | 10.79% |
| Total risk-based capital ratio | 11.83% |
| Tier 1 leverage ratio | 7.93% |
| Equity capital to assets | 6.99% |
| Tangible equity to tangible assets | 6.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 4.95% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 198.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 14.60% |
| Net interest margin | 4.26% |
| Efficiency ratio | 72.57% |
| Yield on earning assets | 6.26% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.42% |
| Core deposits to total deposits | 89.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.52% |
| Securities to assets | 26.91% |
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 | 13.03% | 13.03% | 14.08% | 8.25% | 0.79% |
| Q4 2023 | 12.60% | 12.60% | 13.75% | 8.09% | 0.44% |
| Q1 2024 | 12.25% | 12.25% | 13.40% | 8.11% | 0.69% |
| Q2 2024 | 12.10% | 12.10% | 13.19% | 8.05% | 1.19% |
| Q3 2024 | 12.31% | 12.31% | 13.40% | 8.04% | 1.03% |
| Q4 2024 | 12.52% | 12.52% | 13.57% | 7.79% | 1.19% |
| Q1 2025 | 12.64% | 12.64% | 13.72% | 8.07% | 0.96% |
| Q2 2025 | 12.27% | 12.27% | 13.35% | 8.30% | 1.27% |
| Q3 2025 | 12.37% | 12.37% | 13.44% | 8.31% | 1.25% |
| Q4 2025 | 12.06% | 12.06% | 13.18% | 8.17% | 1.02% |
| Q1 2026 | 11.34% | 11.34% | 12.40% | 8.11% | 1.31% |
| Q2 2026 | 10.79% | 10.79% | 11.83% | 7.93% | 1.05% |
First Northern Bank of Wyoming vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Northern Bank of Wyoming, 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 Northern Bank of Wyoming profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2208) · FFIEC NIC profile (RSSD 868956)