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Overview / Commentary
141 South Main Street
Buffalo, WY 82834

First Northern Bank of Wyoming is headquartered in Buffalo and is the 10st largest bank in the state of Wyoming. It is also the 2,637th largest bank in the nation. It was established in 1885 and as of March of 2014, it had grown to 59 employees at 3 locations. First Northern Bank of Wyoming has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Northern Bank of Wyoming had $1.66 million in non-current loans and owned real-estate with $24.45 million in equity and loan loss allowances on hand to cover it. This gives First Northern Bank of Wyoming a Texas Ratio of 6.79% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Northern Bank of Wyoming experienced no significant changes from 6.24% as of March 31, 2013 to 6.79% as of March 31, 2014, resulting in a negative change of 8.86%. This indicates that the balance sheet and financial strength for First Northern Bank of Wyoming has had no significant changes in recent periods.

Deposit Growth


In the past year, First Northern Bank of Wyoming has increased its total deposits by $11.24 million, resulting in 5.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Northern Bank of Wyoming has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Northern Bank of Wyoming has $241.34 million in assets with $24.45 million in equity, resulting in a capitalization level of 10.13%, which is above average.

Institution Statistics

FDIC Certificate #2208
Year Established1885
Primary RegulatorFED
Assets and Liabilities
Assets$241.34 million
Loans$140.86 million
Deposits$218.66 million
Equity Capital$21.67 million
Loan Loss Allowance$2.78 million
Unbacked Noncurrent Loans$944,000
Real Estate Owned$716,000
Historic Data - March 2013
Assets$229.71 million
Equity Capital$21.50 million
Loan Loss Allowance$2.82 million
Unbacked Noncurrent Loans$944,000
Real Estate Owned$284,000
Profit Margin - Quarterly
Net Interest Margin4.48%
Return on Assets1.43%
Return on Equity16.58%
Interest Income$2.81 million

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First Northern Bank of Wyoming Savings Account Rates

0.10%--Personal Savings
0.10%--Health Savings Account
0.10%$300-Business Savings

First Northern Bank of Wyoming Money Market Rates

0.15%$2,500-Money Market Account
0.15%$2,500-Business Money Market

First Northern Bank of Wyoming Checking Account Rates

0.10%$1k-VIP Checking
0.05%$500-Personal Checking
0.05%$1k-Business Interest Checking

First Northern Bank of Wyoming CD Rates

1.20%$100-42 Month CD
0.89%$100-30 Month CD
0.55%$100-18 Month CD
0.44%$100-12 Month CD
0.24%$2,500-182 Day CD
0.19%$2,500-91 Day CD

First Northern Bank of Wyoming IRA Rates

0.99%$25-30 Month IRA Fixed
0.65%$25-18 Month IRA Fixed
0.55%$25-18 Month IRA Variable
0.34%$25-6 Month IRA Fixed

First Northern Bank of Wyoming Locations
First Northern Bank Of Wyoming141 South Main StreetBuffalo, WY 82834
Sheridan Branch29 N Gould StSheridan, WY 82801