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

First Northern Bank of Wyoming

Buffalo, Wyoming · $983M in assets · beside the 8 other Wyoming banks between $300M and $1B

The filing

+21.9%
Loans, year over year
1st of 9, largest first
7.0%
Equity / assets
8th of 9
72.6%
Efficiency
8th of 9

First Northern Bank of Wyoming is the largest of the 9 Wyoming banks between $300M and $1B, with $983M in assets at 30 June 2026. Loans are 74.4% of deposits, 6th of 9 against a median of 68.6%, and equity is 7.0% of assets, 8th of 9. Loans grew +21.9% in the year, the fastest in the cohort, and deposits grew 14.0%; the cohort's median loan growth is +3.8%.

Noncurrent loans are 0.54% of the book, 5th of 9 against a median of 0.54%; 0.58% is 30 to 89 days past due, and the allowance covers them 2.0 times. Commercial real estate is 21.9% of loans, 5th of 9 against a median of 21.9%, and 172% of capital, below the 300% screen, with construction at 70% against the 100% screen. CRE has grown +60.2% over 36 months, past the guidance's 50% prong.

Return on assets is 1.15%, 5th of 9 against a median of 1.15%, on an efficiency ratio of 72.6%, 8th of 9. Five years ago it was 1.89%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

The efficiency ratioWY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 66.4% Bo Bank of Star Valley 41.4% PV Platte Valley Bank 50.8% JB Jonah Bank of Wyoming 51.1% FN First National Bank of Gillette 52.0% BH Big Horn FSB 66.4% RB RSNB Bank 67.1% FF First Federal Bank & Trust 70.5% FN First Northern Bank of Wyoming 72.6% SS Security State Bank 78.2%
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 Northern Bank of Wyoming is the 5th largest 7(a) lender into Wyoming of 160, with $32M across 87 loans, 4.0% of everything approved in the state (Live Oak Banking Company leads with $60M). 7 of its 11 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$12M1st of 2816.5%+15.7 pts
Johnson, WY$9M1st of 1630.2%quiet FY2017
Sheridan, WY$9M2nd of 4011.2%quiet FY2016
Big Horn, MT$3M1st of 1022.3%quiet FY2015
Flathead, MT$975K36th of 520.4%quiet FY2016
Converse, WY$313K7th of 132.0%thin
Big Horn, WY$300K7th of 101.2%quiet FY2016
Crook, WY$104K8th of 92.8%quiet FY2010
Maricopa, AZ$79K295th of 3030.0%thin
Weston, WY$76K5th of 51.3%quiet FY2019
Covington, AL$25K13th of 140.2%thin
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
Retail trade15$6M15.6%0.01%680th of 2,589
Other services9$5M14.1%0.01%540th of 2,248
Construction11$5M13.4%0.02%591st of 2,063
Accommodation & food services12$5M13.1%0.01%844th of 2,596
Mining & extraction13$4M11.5%0.28%100th of 426
7(a) lenders into Wyoming, share of approvals since FY2008160 lenders on record; the ten largest and First Northern
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

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; owner-occupied excluded; bold marks a screen met
First NorthernRankCohort median
Total CRE against capital, the 300% screen172%6th of 9152%
Construction against capital, the 100% screen70%9th of 945%
Construction and land development, share of loans8.9%6th of 97.3%
Non-owner-occupied nonfarm nonresidential, share of loans9.2%4th of 912.2%
Total CRE, the guidance definition, share of loans21.9%5th of 921.9%
CRE growth over 36 months, the third prong+60.2%6th 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 NorthernCohort median
20212026Change20212026Change
Loans$325M$647M+99%$195M$261M+34%
Deposits$468M$870M+86%$366M$508M+39%
NPA / loans0.82%0.54%-0.28 pts0.82%0.54%-0.28 pts
Efficiency62.7%72.6%+9.9 pts58.1%66.4%+8.3 pts
ROA1.89%1.15%-0.74 pts1.71%1.15%-0.56 pts

This read was prepared for First Northern Bank of Wyoming'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 Northern Bank of Wyoming 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 fnbofwyo.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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