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120 West Camden-Wyoming Avenue
Wyoming, DE 19934

The First National Bank of Wyoming is headquartered in Wyoming and is the 16st largest bank in the state of Delaware. It is also the 2,180th largest bank in the nation. It was established in 1909 and as of March of 2014, it had grown to 70 employees at 6 locations. The First National Bank of Wyoming has a B+ health rating.

Reviews (2)

Terrible Bank

Very small time bank. Extremely inconsistent. Random overdraft charges with no reason, and then have to fight to get the charges reversed. Rude when you call, and internet banking is never consistent and have seen my accounts messed up so that the bank can justify themselves, yet my balance in my account is different from what they have. They are always messing up. Worst bank ever.

Terrible Bank

Worst bank ever. They never can update the online accounts. They never reflect my transactions. They credit my paycheck then take it away from my account 4 days after it clears. Signed up for Overdraft and they do not honor it. Terrible bank with no help from anyone when there is a problem. Small time bank that is trying to be a bigger institution than it really is. Always 5 days behind updating accounts.


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 The First National Bank of Wyoming had $7.84 million in non-current loans and owned real-estate with $56.82 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Wyoming a Texas Ratio of 13.80% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The First National Bank of Wyoming decreased slightly from 15.98% as of March 31, 2013 to 13.80% as of March 31, 2014, resulting in a positive change of 13.66%.This indicates that the balance sheet and financial strength for The First National Bank of Wyoming has improved slightly in recent periods.

Deposit Growth


In the past year, The First National Bank of Wyoming has increased its total deposits by $5.41 million, resulting in 2.28% 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 The First National Bank of Wyoming has shown is above average.



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. The First National Bank of Wyoming has $300.18 million in assets with $56.82 million in equity, resulting in a capitalization level of 18.93%, which is excellent.

Institution Statistics

FDIC Certificate #4819
Year Established1909
Primary RegulatorOCC
Assets and Liabilities
Assets$300.18 million
Loans$186.10 million
Deposits$242.20 million
Equity Capital$50.67 million
Loan Loss Allowance$6.16 million
Unbacked Noncurrent Loans$3.43 million
Real Estate Owned$4.41 million
Historic Data - March 2013
Assets$293.40 million
Equity Capital$48.95 million
Loan Loss Allowance$6.87 million
Unbacked Noncurrent Loans$3.43 million
Real Estate Owned$3.53 million
Profit Margin - Quarterly
Net Interest Margin3.5%
Return on Assets0.68%
Return on Equity4.05%
Interest Income$2.56 million

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The First National Bank of Wyoming Savings Account Rates

0.30%$250-Variable Rate IRA
0.30%$250-Variable Rate SEP IRA
0.03%--Statement Savings Account
0.03%--Overdraft Savings Account
0.03%--Minor Savings Account

The First National Bank of Wyoming Money Market Rates

0.40%$100k-High Yield Money Market Account
0.15%$1k-Money Market Account

The First National Bank of Wyoming Checking Account Rates

0.03%$3k-Business Interest Checking Account
0.03%$1,500-Ultra 55 Plus Checking Account
0.03%$1,500-Classic Interest Checking Account

The First National Bank of Wyoming CD Rates

1.25%$500-60 Month Regular CD
1.25%$5k-60 Month Ultra Riser Special CD
1.00%$500-36 Month Regular CD
1.00%$5k-36 Month Ultra Riser Special CD
0.75%$500-48 Month Regular CD
0.75%$5k-48 Month Ultra Riser Special CD
0.60%$500-18 Month Regular CD
0.50%$500-24 Month Regular CD
0.50%$5k-24 Month Ultra Riser Special CD
0.35%$500-12 Month Regular CD
0.20%$500-6 Month Regular CD
0.15%$5k-7 Day No Penalty Special CD

The First National Bank of Wyoming IRA Rates

1.25%$500-60 Month Fixed Rate IRA
1.00%$500-36 Month Fixed Rate IRA
0.75%$500-48 Month Fixed Rate IRA
0.60%$500-12 Month Fixed Rate IRA
0.60%$500-18 Month Fixed Rate IRA
0.50%$500-24 Month Fixed Rate IRA
0.30%$500-6 Month Fixed Rate IRA

The First National Bank of Wyoming Locations
West Dover Branch1006 State College RoadDover, DE 19904
Canterbury Branch105 Irish Hill RoadFelton, DE 19943
The First National Bank Of Wyoming120 West Camden-Wyoming AvenueWyoming, DE 19934
Smyrna Branch28 Deak DriveSmyrna, DE 19977
Harrington Branch7 Commerce StreetHarrington, DE 19952
Dover Branch800 South Governors AvenueDover, DE 19904