BlastPoint's Banking Scorecard
First National Bank of Gillette
Community
Specialty: Mortgage
WY
FDIC cert 18880
Gillette, WY
1484
banks in Community tier nationally
8 in WY
View Community leaderboard (WY) →
First National Bank of Gillette shows strong momentum with 1 strength and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 55.32% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$625.9M
+5.6% YoY
+2.5% QoQ
|
-$765.6M |
$1.4B
+2.0% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$152.0M
-3.8% YoY
-4.6% QoQ
|
-$823.4M |
$975.5M
+2.4% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$548.0M
+3.1% YoY
+2.2% QoQ
|
-$616.6M |
$1.2B
+1.7% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.35%
+26.6% YoY
+8.5% QoQ
|
+0.18% |
1.16%
+17.2% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
2.93%
+11.6% YoY
+2.1% QoQ
|
-0.73% |
3.66%
+9.1% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
53.60%
-8.6% YoY
-3.0% QoQ
|
-9.03% |
62.63%
-5.3% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.85%
-14.1% YoY
+11.7% QoQ
|
+0.22% |
0.63%
+18.3% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
27.74%
-6.6% YoY
-6.6% QoQ
|
-55.32% |
83.06%
+0.3% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.96%
+5.5% YoY
+3.2% QoQ
|
+1.92% |
21.05%
-0.9% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.21%
-21.8% YoY
+4.0% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.43%
+16.2% YoY
+25.2% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
27.74%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Loan-to-Deposit Ratio
Current: 27.74% · Tier avg: 83.06%
76
76th pctile
Efficiency Ratio
Current: 53.60% · Tier avg: 62.63%
66
66th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 22.96% · Tier avg: 21.05%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
30
30th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Total Deposits
Current: $548.0M · Tier avg: $1.2B
18
18th pctile
Total Assets
Current: $625.9M · Tier avg: $1.4B
15
15th pctile
Net Interest Margin
Current: 2.93% · Tier avg: 3.66%
1
1th pctile
Total Loans
Current: $152.0M · Tier avg: $975.5M
Top Weaknesses
1
1th pctile
Total Loans
Current: $152.0M · Tier avg: $975.5M
15
15th pctile
Net Interest Margin
Current: 2.93% · Tier avg: 3.66%
18
18th pctile
Total Assets
Current: $625.9M · Tier avg: $1.4B
21
21th pctile
Total Deposits
Current: $548.0M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.63%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 22.96% · Tier avg: 21.05%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
66
66th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
76
76th pctile
Efficiency Ratio
Current: 53.60% · Tier avg: 62.63%
99
99th pctile
Loan-to-Deposit Ratio
Current: 27.74% · Tier avg: 83.06%