BlastPoint's Banking Scorecard
First Federal Bank & Trust
Community
Specialty: Commercial
WY
FDIC cert 29537
Designations: ✓ Mutual
Sheridan, WY
1484
banks in Community tier nationally
8 in WY
View Community leaderboard (WY) →
First Federal Bank & Trust faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 6% in Community
- - Liquidity Strain: Bottom 9% in Community
- - Credit Risk Growth: Bottom 19% in Community
- - Efficiency Drag: Bottom 45% in Community
- - Return on Assets 0.73% below tier
- - Nonperforming Asset Ratio 1.99% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$610.7M
-0.3% YoY
-0.1% QoQ
|
-$780.7M |
$1.4B
+2.0% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$489.0M
+2.9% YoY
+1.6% QoQ
|
-$486.4M |
$975.5M
+2.4% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$542.9M
-1.3% YoY
-0.3% QoQ
|
-$621.7M |
$1.2B
+1.7% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.43%
+123.5% YoY
-6.1% QoQ
|
-0.73% |
1.16%
+17.2% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.34%
+42.9% YoY
+1.4% QoQ
|
-0.32% |
3.66%
+9.1% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
80.56%
-13.5% YoY
+2.4% QoQ
|
+17.92% |
62.63%
-5.3% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
3.11%
+8.2% YoY
-3.8% QoQ
|
+2.48% |
0.63%
+18.3% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
90.07%
+4.3% YoY
+1.9% QoQ
|
+7.01% |
83.06%
+0.3% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
12.59%
+9.6% YoY
-5.7% QoQ
|
-8.45% |
21.05%
-0.9% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
2.49%
+11.8% YoY
-2.1% QoQ
|
+1.99% |
0.50%
+20.3% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
13.37%
+0.6% YoY
-0.5% QoQ
|
+3.12% |
10.24%
-0.6% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.29%
-40.3% YoY
+41.9% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Flatlined Growth
risk
#15 of 245 · Bottom 6% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.43%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#46 of 513 · Bottom 9% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.07%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Credit Risk Growth
risk
#125 of 642 · Bottom 19% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Efficiency Drag
risk
#69 of 152 · Bottom 45% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
80.56%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.43%
(Tier avg: 1.16%, National avg: 1.12%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.49%
(Tier avg: 0.50%, National avg: 0.48%)
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
61
61th pctile
Tier 1 Capital Ratio
Current: 13.37% · Tier avg: 10.24%
35
35th pctile
Loan-to-Deposit Ratio
Current: 90.07% · Tier avg: 83.06%
32
32th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.66%
29
29th pctile
Total Loans
Current: $489.0M · Tier avg: $975.5M
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
20
20th pctile
Total Deposits
Current: $542.9M · Tier avg: $1.2B
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.59% · Tier avg: 21.05%
16
16th pctile
Total Assets
Current: $610.7M · Tier avg: $1.4B
10
10th pctile
Efficiency Ratio
Current: 80.56% · Tier avg: 62.63%
9
9th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.16%
0
0th pctile
Delinquency Rate
Current: 3.11% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.49% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.49% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.11% · Tier avg: 0.63%
9
9th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.16%
10
10th pctile
Efficiency Ratio
Current: 80.56% · Tier avg: 62.63%
16
16th pctile
Total Assets
Current: $610.7M · Tier avg: $1.4B
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.59% · Tier avg: 21.05%
20
20th pctile
Total Deposits
Current: $542.9M · Tier avg: $1.2B
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
29
29th pctile
Total Loans
Current: $489.0M · Tier avg: $975.5M
32
32th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.66%
35
35th pctile
Loan-to-Deposit Ratio
Current: 90.07% · Tier avg: 83.06%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.37% · Tier avg: 10.24%