First Federal Bank & Trust

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.efirstfederal.bank

855-549-5854

671 Illinois Street
Sheridan, WY 82801

First Federal Bank & Trust is headquartered in SHERIDAN and is the 6^th largest bank in the state of Wyoming. It is also the 1,526^th largest bank in the nation. It was established in 1935 and as of March of 2025, it had grown to 80 employees at 3 locations. First Federal Bank & Trust's CD rates are 4X the national average, and it has a C+ health rating.

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Health

C+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	29537
Year Established	1935
Employees	80
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.41%
Return on Equity - YTD	4.17%
Annual Interest Income	$7.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$620MM$635.6MM
Loans	Q1 2025vs Q1 2024	$481MM$465.3MM
Deposits	Q1 2025vs Q1 2024	$556MM$573.6MM
Equity Capital	Q1 2025vs Q1 2024	$61.1MM$58.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6.7MM$6.2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$14.3MM$10MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Federal Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.85%^*	$250k^*	-	7 Month CD Special
OTHER TIERS: 3.75% → $0 - $250k
3.65%^*	$250k^*	-	12 Month CD Special
OTHER TIERS: 3.55% → $0 - $250k

Locations

First Federal Bank & Trust Locations
First Federal Savings Bank	671 Illinois St	Sheridan, WY 82801
Brundage Street Branch	146 West Brundage Street	Sheridan, WY 82801
Billings Branch	1575 Shiloh Rd	Billings, MT 59106

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