First Federal Bank & Trust
Total assets
$621.1M
▲ +0.8% YoY
Deposits
$551.9M
▲ +1.8% YoY
Loans
$479.1M
▼ -1.0% YoY
Offices
3
ROA (annualized)
0.68%
peers 1.28%
ROE (annualized)
6.47%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.9% | -4.1 pts |
| Deposit growth (YoY) | +1.9% | +4.3% | -2.5 pts |
| Loan growth (YoY) | -1.0% | +5.3% | -6.4 pts |
| ROA | 0.68% | 1.28% | -0.6 pts |
| ROE | 6.5% | 12.4% | -6.0 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
Profile
- Established
- 1935
- Charter
- OCC
- Primary regulator
- OCC
- Specialization
- Commercial Lending Specialization
- Address
- 671 Illinois St, Sheridan, WY, 82801
- County
- Sheridan
- Metro area
- Sheridan, WY
- Offices
- 3
- FDIC cert #
- 29537
- RSSD ID
- 387671
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $621.1M | $551.9M | $479.1M | $66.3M | $2.1M | 0.68% | 3.69% | 2.58% |
| Q1 2026 | $632.5M | $564.2M | $479.8M | $65.4M | $901K | 0.58% | 3.58% | 2.39% |
| Q4 2025 | $610.7M | $542.9M | $489.0M | $64.6M | $2.7M | 0.43% | 3.34% | 2.49% |
| Q3 2025 | $611.2M | $544.3M | $481.2M | $63.8M | $2.1M | 0.46% | 3.30% | 2.55% |
| Q2 2025 | $616.4M | $541.8M | $484.1M | $61.7M | $1.3M | 0.43% | 3.17% | 2.50% |
| Q1 2025 | $620.0M | $556.0M | $481.0M | $61.1M | $630K | 0.41% | 3.04% | 2.30% |
| Q4 2024 | $612.7M | $549.9M | $475.1M | $59.7M | $1.2M | 0.19% | 2.34% | 2.23% |
| Q3 2024 | $620.7M | $556.0M | $478.9M | $61.0M | $906K | 0.19% | 2.35% | 2.21% |
Loan mix (Q2 2026): real estate $389.7M · commercial $74.6M · consumer $7.4M · securities $60.2M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.28% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 12.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.89% | 38th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 61.2% | 75th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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