First Nb of Gillette vs Central Bank&Trust
Side-by-side bank health comparison using FDIC financial data
First Nb of Gillette (A) and Central Bank&Trust (A) are close on the BankHealth rubric. Asset bases: $572M versus $200M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
First Nb of Gillette has a stronger Bank Health Score of 96/100 (A) compared to Central Bank&Trust at 96/100 (A), a difference of 0 points. First Nb of Gillette holds a Tier 1 capital ratio of 35.22% and an NPL ratio of 0.04%.
| Metric | First Nb of Gillette | Central Bank&Trust |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 96/100 (A) | 96/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 35.2%* | 15.0% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.2% |
| Liquidity Ratio Cash and liquid assets vs obligations | 74.0%* | 41.0% |
| Return on Assets Profitability metric (above 1% is strong) | 1.0% | 1.2%* |
| Total Assets | $572M | $200M |
| Total Deposits | $516M | $184M |
| Location | Gillette, Wyoming | Lander, Wyoming |
First Nb of Gillette has a stronger Bank Health Score of 96/100 (A) compared to Central Bank&Trust at 96/100 (A), a difference of 0 points. First Nb of Gillette holds a Tier 1 capital ratio of 35.22% and an NPL ratio of 0.04%.