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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Wyoming, the state note

First National Bank of Gillette

Gillette, Wyoming · $652M in assets · beside the 8 other Wyoming banks between $300M and $1B

The filing

28.8%
Loans / deposits
1st of 9
12.2%
Equity / assets
1st of 9
32.7%
CRE / capital
1st of 9

First National Bank of Gillette is the third largest of the 9 Wyoming banks between $300M and $1B, with $652M in assets at 30 June 2026. Loans are 28.8% of deposits, the lowest in the cohort against a median of 68.6%, and equity is 12.2% of assets, the highest in the cohort. Loans grew +0.6% in the year, 8th of 9, and deposits grew 9.4%; the cohort's median loan growth is +3.8%.

Noncurrent loans are 0.72% of the book, 7th of 9 against a median of 0.54%; 0.11% is 30 to 89 days past due, and the allowance covers them 2.3 times. Commercial real estate is 19.6% of loans, 2nd of 9 against a median of 21.9%, and 33% of capital, below the 300% screen, with construction at 12% against the 100% screen. CRE has grown +64.3% over 36 months, past the guidance's 50% prong.

Return on assets is 1.53%, 4th of 9 against a median of 1.15%, on an efficiency ratio of 52.0%, 4th of 9. Five years ago it was 1.05%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsWY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 68.6% FN First National Bank of Gillette 28.8% RB RSNB Bank 43.2% BH Big Horn FSB 54.1% Bo Bank of Star Valley 62.2% SS Security State Bank 68.6% FN First Northern Bank of Wyoming 74.4% JB Jonah Bank of Wyoming 77.8% FF First Federal Bank & Trust 88.0% PV Platte Valley Bank 97.2%
Loans, year over yearWY banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +3.8% FN First Northern Bank of Wyoming +21.9% SS Security State Bank +15.5% JB Jonah Bank of Wyoming +11.3% BH Big Horn FSB +11.3% Bo Bank of Star Valley +3.8% RB RSNB Bank +2.9% PV Platte Valley Bank +2.6% FN First National Bank of Gillette +0.6% FF First Federal Bank & Trust -1.1%

SBA 7(a), FY2008 to FY2026

First National Bank of Gillette is the 39th largest 7(a) lender into Wyoming of 160, with $6M across 29 loans, 0.8% of everything approved in the state (Live Oak Banking Company leads with $60M). 3 of its 3 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Wyoming, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Campbell, WY$6M4th of 287.6%quiet FY2022
Crook, WY$300K5th of 98.1%quiet FY2018
Sheridan, WY$40K37th of 400.0%quiet FY2012
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing2$1M21.9%0.00%1275th of 2,246
Health care & social assistance4$1M18.1%0.00%1134th of 2,172
Retail trade4$945K15.9%0.00%1550th of 2,589
Mining & extraction5$938K15.8%0.06%223rd of 426
Accommodation & food services6$839K14.1%0.00%1683rd of 2,596
7(a) lenders into Wyoming, share of approvals since FY2008160 lenders on record; the ten largest and First National
LO Live Oak Banking Company 7.7% $60M · 46 loans WF Wells Fargo Bank National Associa… 7.1% $55M · 236 loans Bo Bank of Bridger National Associat… 5.1% $40M · 203 loans FI First Interstate Bank 4.6% $36M · 137 loans FN First Northern Bank of Wyoming 4.0% $32M · 87 loans GB Glacier Bank 3.8% $30M · 73 loans UB U.S. Bank, National Association 3.4% $27M · 107 loans CB Celtic Bank Corporation 3.4% $26M · 32 loans CB Community Banks of Colorado, A Di… 3.1% $24M · 26 loans NB Newtek Bank, National Association 2.0% $16M · 43 loans FN First National Bank of Gillette 0.8% $6M · 29 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, First National among them; owner-occupied excluded; bold marks a screen met
First NationalRankCohort median
Total CRE against capital, the 300% screen33%1st of 9152%
Construction against capital, the 100% screen12%2nd of 945%
Construction and land development, share of loans7.2%4th of 97.3%
Non-owner-occupied nonfarm nonresidential, share of loans7.8%3rd of 912.2%
Total CRE, the guidance definition, share of loans19.6%2nd of 921.9%
CRE growth over 36 months, the third prong+64.3%7th of 9+27.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Northern Bank of Wyoming$983M1.2%72.6%0.54%0.06%1.1%74.4%7.0%
Platte Valley Bank$809M1.9%50.8%0.40%0.31%2.0%97.2%9.6%
First National Bank of Gillette$652M1.5%52.0%0.72%-0.03%1.6%28.8%12.2%
First Federal Bank & Trust$621M0.7%70.5%3.29%0.39%1.4%88.0%10.7%
Jonah Bank of Wyoming$563M2.0%51.1%0.00%0.00%1.7%77.8%9.0%
Security State Bank$449M0.5%78.2%0.22%0.02%1.3%68.6%8.6%
Bank of Star Valley$420M2.7%41.4%0.09%0.03%1.4%62.2%10.4%
Big Horn FSB$400M1.0%66.4%0.70%0.05%1.3%54.1%11.2%
RSNB Bank$381M1.1%67.1%2.37%-0.01%1.0%43.2%6.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First NationalCohort median
20212026Change20212026Change
Loans$142M$164M+16%$195M$261M+34%
Deposits$557M$570M+2%$366M$508M+39%
NPA / loans1.83%0.72%-1.11 pts0.82%0.54%-0.28 pts
Efficiency58.1%52.0%-6.1 pts58.1%66.4%+8.3 pts
ROA1.05%1.53%+0.48 pts1.71%1.15%-0.56 pts

This read was prepared for First National Bank of Gillette's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First National Bank of Gillette is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort WY banks $300M to $1B
Institution www.fnbgillette.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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