Headquartered in Buffalo, Wyoming, First Northern Bank of Wyoming is a state-chartered bank (fed member) with $982.6M in total assets and $869.8M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1885.
Based on its Q2 2026 filing, First Northern Bank of Wyoming scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 24 banks headquartered in Wyoming, it ranks 21st. Its strongest component is problem-loan coverage (91/100; 4.6%), and its lowest is capital cushion (29/100; 7.93%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (65 → 61), mostly because the funding & liquidity component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 63 |
| Q4 2024 | 64 |
| Q1 2025 | 64 |
| Q2 2025 | 65 |
| Q3 2025 | 66 |
| Q4 2025 | 65 |
| Q1 2026 | 48 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.05% |
| Q3 2024 | 8.04% |
| Q4 2024 | 7.79% |
| Q1 2025 | 8.07% |
| Q2 2025 | 8.30% |
| Q3 2025 | 8.31% |
| Q4 2025 | 8.17% |
| Q1 2026 | 8.11% |
| Q2 2026 | 7.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.54% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.25% |
| Q1 2026 | 2.03% |
| Q2 2026 | 0.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.99% |
| Q4 2024 | 1.05% |
| Q1 2025 | 0.96% |
| Q2 2025 | 1.12% |
| Q3 2025 | 1.16% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.30% |
| Q2 2026 | 1.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $982.6M | 7.93% | 0.54% | 1.17% | 73.6% |
| Q1 2026 | 48 | $946.6M | 8.11% | 2.03% | 1.30% | 70.6% |
| Q4 2025 | 65 | $894.2M | 8.17% | 0.25% | 1.13% | 68.0% |
| Q3 2025 | 66 | $868.0M | 8.31% | 0.27% | 1.16% | 68.7% |
| Q2 2025 | 65 | $849.5M | 8.30% | 0.31% | 1.12% | 68.8% |
| Q1 2025 | 64 | $847.4M | 8.07% | 0.26% | 0.96% | 64.8% |
| Q4 2024 | 64 | $857.8M | 7.79% | 0.20% | 1.05% | 62.6% |
| Q3 2024 | 63 | $845.5M | 8.04% | 0.38% | 0.99% | 64.7% |
| Q2 2024 | 61 | $798.6M | 8.05% | 0.54% | 0.96% | 69.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wyoming
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Platte Valley BankBank Torrington, WY | 73 out of 100, Strong | $809.2M | 9.7% | 0.40% | vs |
| First National Bank of GilletteBank Gillette, WY | 86 out of 100, Very strong | $651.9M | 14.9% | 0.72% | vs |
| First Federal Bank & TrustBank Sheridan, WY | 40 out of 100, Below average | $621.1M | 11.1% | 3.29% | vs |
| Jonah Bank of WyomingBank Casper, WY | 76 out of 100, Strong | $562.8M | 9.6% | 0.00% | vs |
| Security State BankBank Basin, WY | 71 out of 100, Strong | $449.1M | 10.4% | 0.22% | vs |
| Bank of Star ValleyBank Afton, WY | 85 out of 100, Very strong | $420.0M | 10.8% | 0.09% | vs |
Deposit insurance
Is my money safe at First Northern Bank of Wyoming?
Yes. First Northern Bank of Wyoming is an FDIC-insured institution (FDIC certificate #2208). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.3% of deposits ($341.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.93%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.83% (benchmark: 10%).
5 locations
Branches
First Northern Bank of Wyoming lists 5 offices in 5 cities. Most locations:
- Buffalo, WY (1)
- Douglas, WY (1)
- Gillette, WY (1)
- Newcastle, WY (1)
- Sheridan, WY (1)
Identity & history
Profile
- Legal name
- First Northern Bank of Wyoming
- Former names
- The First National Bank of Buffalo
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 2208
- RSSD ID
- 868956
- Primary regulator
- FED
- Holding company
- First Natl Buffalo Bankshares
- Established
- February 2, 1885
- Headquarters
- 141 S Main St, Buffalo, WY 82834
- Website
- fnbofwyo.com
- Employees
- 158
Quick answers
First Northern Bank of Wyoming: common questions
Is First Northern Bank of Wyoming FDIC insured?
Yes. First Northern Bank of Wyoming is an FDIC-insured institution (FDIC certificate #2208). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Northern Bank of Wyoming's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Northern Bank of Wyoming ever failed?
There is no failure record for FDIC certificate #2208 in the FDIC failed bank list.
How many branches does First Northern Bank of Wyoming have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Buffalo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Buffalo Federal BankBank Buffalo, WY | 70 out of 100, Strong | $202.6M | 10.4% | 0.67% | vs |
| ANB BankBank Denver, CO | 64 out of 100, Moderate | $2.9B | 9.5% | 0.37% | vs |
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |