First Federal Bank & Trust
Sheridan, WY
IDRSSD: 387671
Total Assets
$610.74M
Latest filing
Total Deposits
$542.93M
Latest filing
Net Interest Margin
3.48%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Bank & Trust
671 Illinois St
Sheridan, WY 82801
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/16/1935FDIC Certificate 42371
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Federal Bank & Trust (Main) | 671 Illinois St | Sheridan, WY |
| BRUNDAGE STREET BRANCH | 146 W Brundage Ln | Sheridan, WY |
| BILLINGS BRANCH | 645 Henry Chapple St | Billings, MT |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 10/16/1935 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 82801 |
| State and County Number | 56033 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Sheridan, WY |
Operational Info
| Number of Employees | 84 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.efirstfederal.bank |
| Data Updated | 01/30/2026 |
| CERT | 29537 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $610.74M |
| Total Deposits | $542.93M |
| Total Liabilities | $546.12M |
| Total Equity Capital | $64.62M |
| Net Income | $532.00k |
| Net Loans and Leases | $489.05M |
| Assets Per Employee ($Millions) | $7.36M |
| Bank Premises and Fixed Assets | $14.35M |
| Cash and Balances due from Depository Institutions | $15.74M |
| Deposits Held in Domestic Offices | $542.93M |
Key Performance Ratios
| Return on Assets (ROA) | 0.35% |
| Return on Equity (ROE) | 3.31% |
| Net Interest Margin | 3.48% |
| Efficiency Ratio | 85.86% |
| Tier 1 Risk-Based Capital Ratio | 13.368% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.581% |
| Earning Assets to total Assets | 91.47% |
Income and Expense
| Total Interest Income | $8.07M |
| Total Noninterest Income | $521.00k |
| Total Interest Expense | $3.20M |
| Total Noninterest Expense | $4.63M |
| Net Interest Income | $4.88M |
| Pre-tax Net Operating Income | $683.00k |
| Provision for Credit Losses | $80.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.19M |
| Total Liabilities and Capital | $610.74M |
Securities
| Securities | $59.91M |
| Available-for-sale debt securities | $59.69M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Federal Bank & Trust?
$610.74M as of the latest filing.
How much are First Federal Bank & Trust's total deposits?
$542.93M in total deposits.
Where is First Federal Bank & Trust located?
Sheridan, WY.
What is the Net Interest Margin?
3.48%.
How many domestic offices does it operate?
3.
When was it established?
10/16/1935.
What is the Return on Assets (ROA)?
0.35%.
How much are total loans and leases?
$489.05M (latest filing).
What is the total interest income (latest filing)?
$8.07M.