First Federal Bank & Trust
Sheridan, WY · Cert 29537 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 3 branches
Q2 2026
$621.1MAssets
$485.7MLoans
$551.9MDeposits
$66.3MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 53% of banks under $1B in assets (rank 293 of 629).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets (rank 547 of 581).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.68%
Rank 448 of 629
Net Interest Margin
3.28%
Rank 398 of 629
Efficiency Ratio
70.52%
Rank 362 of 629
Equity / Assets
10.68%
Rank 313 of 629
Non-interest income vs. expense
Unfavorable gap of $14.0M · efficiency ratio beats 43% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.60% | 1.01% | 1.45% | Beats 29% | 448 / 629 | |
| Return on Equity | 6.39% | 5.38% | 9.30% | 13.28% | Beats 30% | 443 / 629 | |
| Net Interest Margin | 3.28% | 3.03% | 3.54% | 4.05% | Beats 37% | 398 / 629 | |
| Efficiency Ratio | 70.52% | 58.35% | 67.79% | 79.08% | Beats 43% | 362 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.29% | 0.09% | 0.46% | 1.20% | Beats 6% | 547 / 581 | |
| Net Charge-Offs / Loans | 0.21% | n/a | 0.01% | 0.06% | Beats 9% | 532 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 13.76% | 11.24% | 13.84% | 18.77% | Beats 49% | 319 / 629 | |
| Total Risk-Based Capital Ratio | 15.01% | 11.58% | 14.43% | 19.66% | Beats 53% | 293 / 629 | |
| Equity / Assets | 10.68% | 9.09% | 10.65% | 13.80% | Beats 50% | 313 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 88.01% | 67.24% | 80.90% | 93.48% | 65th pctl | 210 / 594 | |
| Loans / Assets | 78.21% | 53.31% | 67.71% | 78.15% | 75th pctl | 156 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |