Bank · FDIC insured
First Federal Bank & Trust
A $621.1M bank headquartered in Sheridan, WY, with 3 branches in 2 states. Best rates: CDs 3.30% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.30%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Federal Bank & Trust
First Federal Bank & Trust has been a mutual community bank since 1935.
- Headquarters
- 671 Illinois St, Sheridan, WY 82801
- FDIC certificate
- 29537 ↗
Branches
3 branches in 2 states
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Wyoming
2 branches
- First Federal Bank & TrustMain office671 Illinois St, Sheridan, WY 82801Directions
- Brundage Street Branch146 W Brundage Ln, Sheridan, WY 82801Directions
Montana
1 branch
- Billings Branch645 Henry Chapple St, Billings, MT 59106Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.05% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 3.29% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.68% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $88 | $81 | — |
- CapitalLeverage ratio11.05%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent3.29%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.68%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$88Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Federal Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.