Firstbank
Lakewood, CO · Cert 18714 · Peer group: banks over $10B in assets (n=138-141)
State charter, Fed member · 95 branches
Q1 2026
$29.4BAssets
$15.5BLoans
$23.2BDeposits
$4.6BEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks over $10B in assets (rank 24 of 139).
- Widest gap: total risk-based capital ratio trails 100% of banks over $10B in assets (rank 139 of 139).
- Overall: at or above the peer median on 5 of 10 directional measures.
Return on Assets
0.75%
Rank 119 of 139
Net Interest Margin
3.72%
Rank 29 of 139
Efficiency Ratio
76.93%
Rank 132 of 139
Equity / Assets
15.52%
Rank 7 of 139
Non-interest income vs. expense
Unfavorable gap of $716.6M · efficiency ratio beats 6% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.93% | 1.21% | 1.46% | Beats 14% | 119 / 139 | | |
| Return on Equity | 4.83% | 8.26% | 10.74% | 13.78% | Beats 6% | 131 / 139 | | |
| Net Interest Margin | 3.72% | 2.78% | 3.31% | 3.67% | Beats 79% | 29 / 139 | | |
| Efficiency Ratio | 76.93% | 49.29% | 56.47% | 63.46% | Beats 6% | 132 / 139 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.44% | 0.75% | 1.05% | Beats 53% | 66 / 139 | | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.06% | 0.11% | Beats 82% | 27 / 138 | | |
| Capital |
| Tier 1 Capital Ratio | 11.15% | 12.06% | 13.03% | 15.08% | Beats 5% | 132 / 139 | | |
| Total Risk-Based Capital Ratio | 11.37% | 13.38% | 14.32% | 16.35% | Beats 0% | 139 / 139 | | |
| Equity / Assets | 15.52% | 9.59% | 11.32% | 12.96% | Beats 95% | 7 / 139 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.82% | 73.83% | 83.64% | 90.57% | 15th pctl | 120 / 141 | | |
| Loans / Assets | 52.73% | 58.93% | 68.90% | 74.95% | 14th pctl | 121 / 141 | | |
| Brokered Deposits / Deposits | 0.00% | 0.14% | 3.58% | 8.26% | Beats 100% | 24 / 139 | | |