FDIC Cert #18880 · Gillette, Wyoming · Est. 1963

First National Bank of Gillette - FDIC Bank Health Profile

A community-scale look at First National Bank of Gillette's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$626M
Total assets
A
Health grade · Excellent
1.35%
Return on assets
14.5%
Tier 1 capital

Data updated July 2026

The verdict

First National Bank of Gillette earns a PlainBankData health grade of A (87/100), with well-capitalized at 14.47% Tier 1, profitable at 1.35% ROA, efficient (54% cost ratio).

#1,523
largest of 4,313 FDIC banks by assets
65th
percentile by asset size, nationally
14.47%
Tier 1 ratio - above the 10% well-capitalized line
66th
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 18880 · WY A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1235/4307
  • PHOTO-FINISH Cedar Rapids State B… · NE
  • TIER1-WELL 14.5% Tier 1
  • TEXAS-CLEAN 1.6% Texas
  • ROA-STRONG 1.35% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wyoming: Cedar Rapids State Bank, NE (±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 National Bank of Gillette

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

Morgan Stanley Bank,… · UT ·…100/100American National Bank · NE …87/100Cedar Rapids State B… · NE ·…87/100First National Bank… · WY · …87/100Northeast Security B… · IA ·…87/100Relyance Bank · AR · near87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank of Gillette · July 2026

Plate reading for First National Bank of Gillette where failures stay rare

First National Bank of Gillette (FDIC Cert #18880) carries a PlainBankData health grade of A at 87/100, 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 #1,235 of 4,307. Tier 1 capital prints at 14.47%, clearing the 10% well-capitalized line. The Texas Ratio is 1.65%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.35%. Balance-sheet scale is $626M, 1,523rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Cedar Rapids State Bank (NE), 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 National Bank of Gillette

Only 1 FAILURE resolution in Wyoming since 2000

First National Bank of Gillette 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 National Bank of Gillette's 87/100 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 avg77/10087/100
First National Bank of Gillette's composite health score
Tier 1 Capital Ratio (14.47%) 35/40
Return on Assets (ROA) (1.35%) 20/25
Texas Ratio (1.65%) 20/20
Efficiency Ratio (53.60%) 12/15

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

Balance sheet at a glance

Total Assets

$626M

Total balance-sheet footings

Total Deposits

$548M

Customer-funded liabilities

Net Loans

$152M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.07% 14.47% 15.87%
Basel III capital ratios - First National Bank of Gillette

Where First National Bank of Gillette ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank of Gillette's score of 87/100 falls in the highlighted band.

First National Bank of Gillette: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 29% higher than 71% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First National Bank of Gillette 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 National Bank of Gillette'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 National Bank of Gillette's $626M falls in the highlighted band.

Safety metrics: First National Bank of Gillette

Tier 1 capital ratio
Well-capitalized 10%

14.47% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.47%
Texas Ratio
1.65%
Equity Capital
$76M

What these ratios mean →

Earnings posture at First National Bank of Gillette

Return on Assets (ROA)
66th percentile nationally
1.35%
Return on Equity (ROE)
12.17%
Efficiency Ratio
53.60%

What these mean →

Income & expense at First National Bank of Gillette

$25M
Interest Income
$3M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of Gillette reports a Texas Ratio of 1.65% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.65% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First National Bank of Gillette 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 ($626M here), outside Wyoming so the neighborhood is not state containment.

Madison County Bank $626M · NE American Bank $625M · TX Stillman BancCorp $625M · IL First State Bank $627M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank of Gillette (FDIC Cert #18880) - 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 National Bank of Gillette 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 Federal Bank & TrustSheridan $611M C 0.43%
Jonah Bank of WyomingCasper $558M B 1.92%
Security State BankBasin $444M B 0.45%