Total Assets
$626M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$548M
Customer-funded liabilities
Net Loans
$152M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.35%
Return on Equity (ROE)
12.17%
Efficiency Ratio
53.60%
What the numbers say about First National Bank of Gillette
First National Bank of Gillette is an FDIC-insured institution (Certificate #18880) headquartered in Gillette, Wyoming, established in 1963. It holds $626M in total assets - 1,523rd of 4,313 FDIC-insured banks, $548M in customer deposits, and $152M in net loans. Looking at capital strength, Tier 1 stands at 14.47%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.65%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (87/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Wyoming, First National Bank of Gillette ranks 6th of 24 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Wyoming by total assets
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.
Other banks in Wyoming
All Wyoming banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First National Bank of Gillette's health grade?▼
First National Bank of Gillette receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First National Bank of Gillette?▼
First National Bank of Gillette holds $626M in total assets and $548M in deposits, ranking 1,523rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Gillette, Wyoming.
Is my money safe at First National Bank of Gillette?▼
Yes, deposits at First National Bank of Gillette (Certificate #18880) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank of Gillette's Tier 1 Capital Ratio?▼
First National Bank of Gillette has a Tier 1 Capital Ratio of 14.47%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First National Bank of Gillette?▼
First National Bank of Gillette has a Texas Ratio of 1.65%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank of Gillette?▼
First National Bank of Gillette has an Efficiency Ratio of 53.60%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank of Gillette's profile as a depositor or analyst.
- First National Bank of Gillette's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank of Gillette against other Wyoming banks before moving funds. Wyoming banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.