FDIC Cert #29537 · Sheridan, Wyoming · Est. 1935

First Federal Bank & Trust - FDIC Bank Health Profile

A community-scale look at First Federal Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$611M
Total assets
C
Health grade · Fair
0.43%
Return on assets
13.4%
Tier 1 capital

Data updated July 2026

The verdict

First Federal Bank & Trust earns a PlainBankData health grade of C (52/100), with well-capitalized at 13.37% Tier 1, 0.43% ROA, 81% efficiency ratio.

#1,552
largest of 4,313 FDIC banks by assets
64th
percentile by asset size, nationally
13.37%
Tier 1 ratio - above the 10% well-capitalized line
13th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 29537 · WY C · 52/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (52/100)
  • BOTTOM-DECILE #4074/4307
  • PHOTO-FINISH High Country Bank · CO
  • TIER1-WELL 13.4% Tier 1
  • TEXAS-HEALTHY 21.3% Texas
  • ROA-THIN 0.43% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wyoming: High Country Bank, CO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Federal Bank & Trust

Lowest and highest poles plus nearest scored peers outside Wyoming, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Balboa Thrift and Lo… · CA ·…52/100First Federal Bank &… · WY ·…52/100High Country Bank · CO · near52/100Spectra Bank · TX · near52/100The Peoples Savings… · OH · …52/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Federal Bank & Trust · July 2026

Plate reading for First Federal Bank & Trust where failures stay rare

First Federal Bank & Trust (FDIC Cert #29537) carries a PlainBankData health grade of C at 52/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,074 of 4,307. Tier 1 capital prints at 13.37%, clearing the 10% well-capitalized line. The Texas Ratio is 21.35%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.43%. Balance-sheet scale is $611M, 1,552nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is High Country Bank (CO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Federal Bank & Trust

Only 1 FAILURE resolution in Wyoming since 2000

First Federal Bank & Trust is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANK OF WYOMING THERMOPOLIS, WY 2009 → CENTRAL BANK & TRUST
  • WESTLAND FS & LA RAWLINS, WY 1991 → RAWLINS NB
  • SWEETWATER FS & LA ROCK SPRINGS, WY 1990 → FIRST SECURITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wyoming banks.

How First Federal Bank & Trust's 52/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10052/100
First Federal Bank & Trust's composite health score
Tier 1 Capital Ratio (13.37%) 35/40
Return on Assets (ROA) (0.43%) 7/25
Texas Ratio (21.35%) 10/20
Efficiency Ratio (80.56%) 0/15

52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$611M

Total balance-sheet footings

Total Deposits

$543M

Customer-funded liabilities

Net Loans

$489M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.97% 13.37% 14.77%
Basel III capital ratios - First Federal Bank & Trust

Where First Federal Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Bank & Trust's score of 52/100 falls in the highlighted band.

First Federal Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

52 5th percentile higher than 5% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Federal Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Federal Bank & Trust's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Federal Bank & Trust's $611M falls in the highlighted band.

Safety metrics: First Federal Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

13.37% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.37%
Texas Ratio
21.35%
Equity Capital
$65M

What these ratios mean →

Profitability metrics: First Federal Bank & Trust

Return on Assets (ROA)
13th percentile nationally
0.43%
Return on Equity (ROE)
4.27%
Efficiency Ratio
80.56%

What these mean →

Income & expense at First Federal Bank & Trust

$32M
Interest Income
$2M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Bank & Trust reports a Texas Ratio of 21.35% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

21.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Federal Bank & Trust on FDIC BankFind →

Top banks in Wyoming by total assets

Largest banks headquartered in Wyoming
  1. 1
    Pinnacle Bank - Wyoming $1.3B

    Cody, WY · Grade A

  2. 2
    Hilltop National Bank $1.2B

    Casper, WY · Grade A

  3. 3
    The Converse County Bank $1.1B

    Douglas, WY · Grade A

  4. 4
    First Northern Bank of Wyoming $894M

    Buffalo, WY · Grade B

  5. 5
    Platte Valley Bank $783M

    Torrington, WY · Grade B

Top 5 banks in Wyoming ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($611M here), outside Wyoming so the neighborhood is not state containment.

South Story Bank & Trust $611M · IA First Eagle Bank $611M · IL DeMotte State Bank $610M · IN Worthington Bank $611M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Bank & Trust (FDIC Cert #29537) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Federal Bank & Trust Call Report profile · FDIC Failed Bank List · Wyoming FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wyoming

All Wyoming banks →
BankAssetsGradeROA
Pinnacle Bank - WyomingCody $1.3B A 1.28%
Hilltop National BankCasper $1.2B A 1.72%
The Converse County BankDouglas $1.1B A 1.14%
First Northern Bank of WyomingBuffalo $894M B 1.13%
Platte Valley BankTorrington $783M B 1.46%
First National Bank of GilletteGillette $626M A 1.35%
Jonah Bank of WyomingCasper $558M B 1.92%
Security State BankBasin $444M B 0.45%