BlastPoint's Banking Scorecard
First Northern Bank of Wyoming
Community
Specialty: Commercial
WY
FDIC cert 2208
Buffalo, WY
1484
banks in Community tier nationally
8 in WY
View Community leaderboard (WY) →
First Northern Bank of Wyoming faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$894.2M
+4.2% YoY
+3.0% QoQ
|
-$497.2M |
$1.4B
+2.0% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$558.4M
+14.6% YoY
+5.4% QoQ
|
-$417.1M |
$975.5M
+2.4% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$820.9M
+5.4% YoY
+6.5% QoQ
|
-$343.7M |
$1.2B
+1.7% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.13%
+7.7% YoY
-2.9% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
4.08%
+6.9% YoY
+1.6% QoQ
|
+0.41% |
3.66%
+9.1% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
70.69%
-2.0% YoY
+0.6% QoQ
|
+8.06% |
62.63%
-5.3% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.25%
+24.0% YoY
-7.7% QoQ
|
-0.38% |
0.63%
+18.3% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
68.02%
+8.7% YoY
-1.0% QoQ
|
-15.04% |
83.06%
+0.3% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
19.25%
-3.4% YoY
+0.3% QoQ
|
-1.80% |
21.05%
-0.9% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.16%
-35.3% YoY
-5.6% QoQ
|
-0.34% |
0.50%
+20.3% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
12.06%
-3.6% YoY
-2.5% QoQ
|
+1.82% |
10.24%
-0.6% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.82%
-0.9% YoY
+30.2% QoQ
|
+0.08% |
0.74%
-1.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Quality Pressure
risk
#145 of 808 · Bottom 18% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
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
83
83th pctile
Loan-to-Deposit Ratio
Current: 68.02% · Tier avg: 83.06%
78
78th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.74%
73
73th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.66%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
48
48th pctile
Total Deposits
Current: $820.9M · Tier avg: $1.2B
47
47th pctile
Tier 1 Capital Ratio
Current: 12.06% · Tier avg: 10.24%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.25% · Tier avg: 21.05%
43
43th pctile
Total Assets
Current: $894.2M · Tier avg: $1.4B
38
38th pctile
Total Loans
Current: $558.4M · Tier avg: $975.5M
25
25th pctile
Efficiency Ratio
Current: 70.69% · Tier avg: 62.63%
Top Weaknesses
25
25th pctile
Efficiency Ratio
Current: 70.69% · Tier avg: 62.63%
38
38th pctile
Total Loans
Current: $558.4M · Tier avg: $975.5M
43
43th pctile
Total Assets
Current: $894.2M · Tier avg: $1.4B
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.25% · Tier avg: 21.05%
47
47th pctile
Tier 1 Capital Ratio
Current: 12.06% · Tier avg: 10.24%
48
48th pctile
Total Deposits
Current: $820.9M · Tier avg: $1.2B
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
73
73th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.66%
78
78th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.74%
83
83th pctile
Loan-to-Deposit Ratio
Current: 68.02% · Tier avg: 83.06%