Total Assets
$894M
Total balance-sheet footings
FDIC Cert #2208 · Buffalo, Wyoming · Est. 1885
First Northern Bank of Wyoming - FDIC Bank Health Profile
A community-scale look at First Northern Bank of Wyoming's own numbers, pulled straight from its quarterly FDIC Call Report.
- $894M
- Total assets
- B
- Health grade · Good
- 1.13%
- Return on assets
- 12.1%
- Tier 1 capital
Data updated July 2026
The verdict
First Northern Bank of Wyoming earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.06% Tier 1, profitable at 1.13% ROA, 71% efficiency ratio.
- #1,148
- largest of 4,313 FDIC banks by assets
- 73rd
- percentile by asset size, nationally
- 12.06%
- Tier 1 ratio - above the 10% well-capitalized line
- 52nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Northern Bank of Wyoming's 79/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Northern Bank of Wyoming's composite health score
Tier 1 Capital Ratio (12.06%) 35/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (1.83%) 20/20
Efficiency Ratio (70.69%) 4/15
79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$821M
Customer-funded liabilities
Net Loans
$558M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Northern Bank of Wyoming ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Northern Bank of Wyoming's score of 79/100 falls in the highlighted band.
First Northern Bank of Wyoming'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 Northern Bank of Wyoming's $894M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.06%
Texas Ratio
1.83%
Equity Capital
$70M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
15.41%
Efficiency Ratio
70.69%
What the numbers say about First Northern Bank of Wyoming
First Northern Bank of Wyoming is an FDIC-insured institution (Certificate #2208) headquartered in Buffalo, Wyoming, established in 1885. It holds $894M in total assets - 1,148th of 4,313 FDIC-insured banks, $821M in customer deposits, and $558M in net loans. Capital-wise, the Tier 1 ratio sits at 12.06%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.83%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (79 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Northern Bank of Wyoming sits 4th of 24 banks headquartered in Wyoming by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$50M
Interest Income
$7M
Non-Interest Income
$29M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Northern Bank of Wyoming reports a Texas Ratio of 1.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.83% - 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 Northern Bank of Wyoming (FDIC Cert #2208) - 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% |
| Platte Valley BankTorrington | $783M | B | 1.46% |
| First National Bank of GilletteGillette | $626M | A | 1.35% |
| 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 Northern Bank of Wyoming's health grade?▼
First Northern Bank of Wyoming receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Northern Bank of Wyoming?▼
First Northern Bank of Wyoming holds $894M in total assets and $821M in deposits, ranking 1,148th of 4,313 FDIC-insured banks by asset size. It is headquartered in Buffalo, Wyoming.
Is my money safe at First Northern Bank of Wyoming?▼
Yes, deposits at First Northern Bank of Wyoming (Certificate #2208) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Northern Bank of Wyoming's Tier 1 Capital Ratio?▼
First Northern Bank of Wyoming has a Tier 1 Capital Ratio of 12.06%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Northern Bank of Wyoming?▼
First Northern Bank of Wyoming has a Texas Ratio of 1.83%. Staying under 50% is the level analysts treat as 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 Northern Bank of Wyoming?▼
First Northern Bank of Wyoming has an Efficiency Ratio of 70.69%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Northern Bank of Wyoming's profile as a depositor or analyst.
- First Northern Bank of Wyoming's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Northern Bank of Wyoming 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.