First National Bank, Cortez
Cortez, CO · Cert 17872 · Peer group: banks under $1B in assets (n=581-629)
National charter · OCC · 1 branch
Q2 2026
$156.9MAssets
$102.3MLoans
$137.2MDeposits
$14.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 67% of banks under $1B in assets (rank 208 of 629).
- Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets (rank 565 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.60%
Rank 474 of 629
Net Interest Margin
3.55%
Rank 304 of 629
Efficiency Ratio
61.96%
Rank 208 of 629
Equity / Assets
9.20%
Rank 458 of 629
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 67% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.60% | 1.01% | 1.45% | Beats 25% | 474 / 629 | | |
| Return on Equity | 6.50% | 5.38% | 9.30% | 13.28% | Beats 30% | 441 / 629 | | |
| Net Interest Margin | 3.55% | 3.03% | 3.54% | 4.05% | Beats 52% | 304 / 629 | | |
| Efficiency Ratio | 61.96% | 58.35% | 67.79% | 79.08% | Beats 67% | 208 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.92% | 0.09% | 0.46% | 1.20% | Beats 14% | 499 / 581 | | |
| Net Charge-Offs / Loans | 0.54% | n/a | 0.01% | 0.06% | Beats 3% | 565 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 15.00% | 11.24% | 13.84% | 18.77% | Beats 60% | 254 / 629 | | |
| Total Risk-Based Capital Ratio | 16.25% | 11.58% | 14.43% | 19.66% | Beats 63% | 235 / 629 | | |
| Equity / Assets | 9.20% | 9.09% | 10.65% | 13.80% | Beats 27% | 458 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.54% | 67.24% | 80.90% | 93.48% | 38th pctl | 368 / 594 | | |
| Loans / Assets | 65.20% | 53.31% | 67.71% | 78.15% | 44th pctl | 350 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |