First Northern Bank Of Wy: Bank Stress & Real-Estate Credit Exposure

First Northern Bank Of Wy (FDIC Cert #2208) carries a DLRadar bank-stress score of 78/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

First Northern Bank Of Wy runs a compact, single-state real-estate lending footprint — 5 U.S. counties across 1 state, spanning 30 ZIP codes. Its heaviest exposure sits in Wyoming (5 counties). Read against its 5-county reach, a severe score sets the credit tone for every market on its map. County by county, that footprint includes Sheridan County, WY, Campbell County, WY, Converse County, WY, Johnson County, WY, among others DLRadar tracks parcel by parcel. The DLRadar bank-stress score is a composite, not a single ratio: it weighs First Northern Bank Of Wy's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. DLRadar does not model First Northern Bank Of Wy in isolation: the 30-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 5 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Because First Northern Bank Of Wy is held under First Natl Buffalo Bankshares, its financials are open to scrutiny and its trend can be independently checked. No bank is too small to score the same way: First Northern Bank Of Wy runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 5-county, 30-ZIP profile means exactly what it would for any institution nationwide.

For buyers, lender stress is an early map of supply: when First Northern Bank Of Wy pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.