First Northern Bank of Wyoming: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Northern Bank of Wyoming is the primary bank subsidiary of its parent holding company, headquartered in Buffalo, WY. As of Q2 2026, the bank held approximately $983M in total assets and $870M in deposits. Returns are in line with industry norms at 1.05% ROA and 14.60% ROE; net interest margin is 4.26%. Regulatory capital is solid, 10.79% CET1 and 11.83% total risk-based capital ratio. Credit metrics are in line with industry norms, 0.54% NPL ratio. 5 branches make up the footprint.
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%, a Texas ratio of 4.95%, per financial data filed with the FFIEC.
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
- Offices
- 5 domestic
- 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
- SEC CIK
- 1815158 → filed by FIRST NATIONAL BUFFALO BANKSHARES, INC.
- Website
- fnbofwyo.com →
- Parent Holding Company
- FIRST NATIONAL BUFFALO BANKSHARES, INC. (RSSD 1057243)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Northern Bank of Wyoming terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Northern Bank of Wyoming, freeFirst Northern Bank of Wyoming rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.79% | 1.05% | 0.54% | 4.95% | 4.26% |
| Q1 2026 | 11.34% | 1.31% | 0.52% | 17.38% | 4.09% |
| Q4 2025 | 12.06% | 1.02% | 0.22% | 1.93% | 4.26% |
| Q3 2025 | 12.37% | 1.25% | 0.19% | 2.05% | 4.12% |
| Q2 2025 | 12.27% | 1.27% | 0.22% | 2.94% | 4.02% |
| Q1 2025 | 12.64% | 0.96% | 0.16% | 2.51% | 3.86% |
| Q4 2024 | 12.52% | 1.19% | 0.17% | 3.66% | 3.88% |
| Q3 2024 | 12.31% | 1.03% | 0.28% | 3.00% | 3.71% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| 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 | merger | 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
What the public regulatory sources show for First Northern Bank of Wyoming, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 45 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Northern Bank of Wyoming headquartered?
First Northern Bank of Wyoming is headquartered in Buffalo, WY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Northern Bank of Wyoming founded?
First Northern Bank of Wyoming was established in 1885, per the FDIC institution directory.
Is First Northern Bank of Wyoming FDIC-insured?
Yes. First Northern Bank of Wyoming 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Northern Bank of Wyoming's CET1 capital ratio?
First Northern Bank of Wyoming 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?
First Northern Bank of Wyoming 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?
First Northern Bank of Wyoming's Texas Ratio is 4.95% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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