Advertisement
First Federal Bank & Trust
Sheridan, WY · FDIC Certificate #29537 · Chartered 10/1
Total assets
$621.05M
Total deposits
$551.86M
Total equity
$66.33M
Net loans
$479.07M
Branches (offices)
3
Net income (YTD)
$2.12M
Rank: #1,520 of 4,213 U.S. banks by assets · #7 of 24 in Wyoming. Assets changed 0.8% and deposits 1.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 6.47% |
| Net interest margin (YTD) | 3.69% |
| Equity to assets | 10.68% |
| Tier 1 leverage ratio | 11.05% |
| Uninsured deposits (share of deposits) | 42.6% |
| Noncurrent loans (share of loans) | 3.29% |
| Net charge-offs (share of loans) | 0.39% |
| Loans to deposits | 86.8% |
| Real estate loans (share of loans) | 81.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $389.71M | 81.3% | |
| Commercial & industrial | $74.61M | 15.6% | |
| Consumer / individual | $7.39M | 1.5% | |
| Construction & development | $31.71M | 6.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $494.51M | $415.67M | $2.88M | $53.94M |
| Jun 2023 | $584.11M | $524.17M | $1.55M | $56.74M |
| Jun 2024 | $613.56M | $541.00M | $827.00K | $59.19M |
| Jun 2025 | $616.38M | $541.84M | $1.32M | $61.72M |
| Jun 2026 | $621.05M | $551.86M | $2.12M | $66.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wyoming | $512.53M | 2 |
| Montana | $39.33M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $551.86M.
Similar-sized banks
Gnb Bank ($621.33M) · The Fairfield National Bank ($620.90M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement