# FIRST BANK OF WYOMING
POWELL, WY · FDIC certificate 2226 · asset band $300M-1B · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $403.0M | |
| Deposits | $292.8M | |
| Loans and leases | $129.1M | |
| Total equity | $44.6M | |
| Loans / deposits | 43.33% (p5 of band) | 74.71% |
| Liquid assets / assets | 62.72% (p96 of band) | |
| Uninsured deposits / deposits | 21.10% (p82 of band) | 12.43% |
| Brokered deposits | 8.36% | |
| Wholesale funding | 23.52% (p94 of band) | |
| FHLB advances / assets | 8.68% | |
| Tier 1 leverage | 10.21% (p65 of band) | 9.54% |
| Unrealized securities loss / equity | 10.94% (p91 of band) | 3.32% |
| AOCI / equity | 1.24% (p95 of band) | |
| ROA (annualized) | 0.88% (p55 of band) | 0.80% |
| Net interest margin | 2.75% (p8 of band) | 3.67% |
| Efficiency ratio | 61.16% (p29 of band) | |
| Noncurrent loans | 3.56% (p74 of band) | 1.96% |
| Net charge-offs (annualized) | -0.02% (p7 of band) | |
| Reserve coverage of noncurrent | 48.32% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 21.28% (p35 of band) | |
| Auto loans | $2.4M (1.90% of loans; DQ 0.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p46 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | brokered >10%, wholesale funding >15% |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 3 |  | brokered >10% |
| 2012-03 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-31 [Glacier Bancorp Selects Byron Pollan to Become Deputy Chief Financial Officer and Succeed Ron Copher as CFO of Glacier Bancorp in 2027 - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-02-26 [Pinedale Roundup Legals, February 26, 2026 - pinedaleroundup.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRnV6YnhTTXhXckpkUV92WDcyUHJYRmtIZDFVOW9IbGxNOWJnSTdxc25NOUpYeGZaQUM5aC02V0cxUHBGSUxGTlNUWWUzYkE4MThqSTcybjBtaV9kOXRKaXBkaDhsTjV4YnQ3UU95RkNkQ1c5Y0gycDB4UTJQS0RjckZQNnZWTWs5ZDhF?oc=5) · pinedaleroundup.com
- 2025-03-12 [Evanston’s Furniss retires after 43 years with First Bank - Uinta County Herald](https://news.google.com/rss/articles/CBMipwFBVV95cUxNcUs0Z0w1bElWMUdnRWVHQlZpbGR0bGZndHI0MFZHZUJ2cUFqOEllVVY1Y05feWlYSnc1Qlg1c0ViMVVScWp4RDJsYUhyUUxkRTNIMGlqODE2U2ZnTFRhV3JqZnJrX1VVOVRxM3JiUUZtUTRfaXJDal9HUU5WMk5DUGhGTGZBbkN5anRzOWF3ZlktQVoxcHN1ZEx0VHRJdENFaDV4X25LQQ?oc=5) · Uinta County Herald
- 2023-08-09 [Wheatland Bank to Join the Glacier Family of Banks - Lake Chelan Now](https://news.google.com/rss/articles/CBMigwFBVV95cUxORHBHUVhKdmprQWRrRjFqV3IzY0RPbWp1andjcUNQVjItekNFQzR0azlwRDZwbkdlbnhnNldOZ1JnLWYxaFJ3Z0ZjNXZoeGJ4S0dfd19EWDVpdzNoY3gtVE5aOWpCaVg5TWExMEZhWjVOZm55U3pRVjExS2ZjaXNuLV9nMA?oc=5) · Lake Chelan Now
- 2018-03-06 [In combination, First Bank of Wyoming will be First Bank - Powell Tribune](https://news.google.com/rss/articles/CBMingFBVV95cUxOMXJ4UUU4N20zM25oVUk3WlREdDdhaGlUb0JTcG1QSC1wVV83VmlXdTlxV2ZiTGtzYlpaOFV0OC16UDJlLW83eUlXaWwySzZVOGoxdWhtUDRXZThIRmd3aHNnVlhkcGxkOXJQa3VZdUttaGdjamFEX3BZNVFURU5YbHl2VDk3WFRLNVBBRndHWlVta1FXZHJrZlVRb0MxUQ?oc=5) · Powell Tribune
- 2025-09-22 [Glacier Bancorp, Inc. Declares Quarterly Dividend of $0.33 per Share, Marking 162 Consecutive Dividends - Quiver Quantitative](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPaV9yQkVfVnJGSWs4c0p3SnNNcDREdVNzN1FDem1fSVg4OW9CaHlLdGZCaVcxM1FxMFVkZ1d6M19iMEtZOHhDMXlsRWoyVDluSUtlMmpVSnlJRWZpY1BLS1VpZlpXbDAxOFdWUUxuaV80OGx0QS00UWZxbndVeEdUeFNreUFVRjd3Y0NsY0dTcU1SeHZOQzlEMzVtTlNqaVpJYV9RYktEQmQtMVBJNXFDVjROblRQWWVlMTNPS3M5SlNrUFc0VHNBMEYyeEpnQ2UtMUpRVTU1WVdCZw?oc=5) · Quiver Quantitative
- 2022-09-23 [Patricia Briggs Obituary Jan 9, 2012 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTE5SRHBRa3JZOVUyMjdFcl80em1zd1FSQjdfRFp3UHNZNlFlSTJienlkN3lNUGVQdm5zVHZhRXVkbVJmU3V3eUZNSERNbllzWHE5al9kTVl4aElnOUNlU1JoLTBrMi1ZVWtTMTJaZzVYOW4?oc=5) · Stevenson Funeral Homes
- 2023-10-16 [Final Portion of FIB Lawsuit Against Former Employees Dismissed - Sheridan Media](https://news.google.com/rss/articles/CBMipAFBVV95cUxPeGZFRWpZVXBkSk5vQ2N2SGNjX0pRbHhNZ0VTZ0FIbkNoQjZoc2pUZ2VQVHVGTGZKZVVLYk41QWFQRTdydGFKRGlGVnVxc3hXUnhjU09IUVZENXZMV0J3RWwxS3BKWk5NM2tVMHdObVdEM3JTNjdvb3p1ZXg1ZXJaYWxMWUlrc093SXpSVHdZN2h2b2xvR3hnbjV4cXFjUDRrTHkxVg?oc=5) · Sheridan Media

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2226 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "2226", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide