Estes Park, CO · Cert 19351 · First National Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
52
Profitability
44
Liquidity
43
Efficiency
50
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Estes Park, CO · Cert 19351 · First National Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Fort Collins-Loveland, CO · 2026 SOD (annual) · 1.4% share · #12 of 28 inst. · $0.1B of $10.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.59% | 0.97% | 1.08% | 1.10% | 1.08% | -0.20% | 0.59% | -49 bps | |
| Return on Equity | 5.19% | 6.53% | 10.60% | 11.58% | 11.75% | 11.35% | -2.03% | 6.19% | -540 bps | |
| Net Interest Margin | 3.37% | 3.32% | 4.00% | 4.07% | 3.96% | 4.04% | 4.18% | 4.16% | +9 bps | |
| Efficiency Ratio | 77.43% | 74.34% | 62.14% | 61.08% | 62.28% | 62.75% | 78.87% | 67.89% | +681 bps | |
| Non-Interest Burden | 2.54% | 2.40% | 2.39% | 2.38% | 2.37% | 2.44% | 3.25% | 2.74% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.32% | 3.10% | 5.36% | 11.23% | 5.73% | 2.42% | 2.54% | 10.28% | -95 bps | |
| Loan Growth (YoY) | 10.29% | 14.75% | 13.01% | 13.43% | 14.52% | 5.53% | 3.32% | 0.44% | -1,298 bps | |
| Deposit Growth (YoY) | -1.64% | 3.00% | 4.80% | 11.13% | 5.72% | 1.29% | 2.37% | 11.07% | -6 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.60% | 1.48% | 0.74% | 0.70% | 0.69% | 0.60% | 0.00% | 0.00% | -70 bps | |
| Net Charge-Offs / Loans | 0.37% | 0.26% | 0.13% | 0.07% | 0.04% | 0.13% | 2.47% | 1.21% | +114 bps | |
| Allowance / Loans | 1.65% | 1.60% | 1.73% | 1.72% | 1.74% | 1.80% | 1.71% | 1.75% | +3 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 2.3x | 2.4x | 2.5x | 3.0x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.37% | 10.99% | 11.25% | 11.35% | 10.78% | 10.79% | 10.78% | 10.84% | -51 bps | |
| Total Risk-Based Capital | 11.37% | 10.99% | 11.25% | 11.35% | 10.78% | 10.79% | 10.78% | 10.84% | -51 bps | |
| Equity / Assets | 9.57% | 8.92% | 9.44% | 9.55% | 9.65% | 9.94% | 9.62% | 8.97% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.58% | 66.82% | 66.51% | 68.91% | 68.87% | 69.62% | 67.13% | 62.32% | -659 bps | |
| Liquid Assets / Assets | 5.86% | 4.94% | 4.78% | 3.62% | 3.54% | 2.80% | 3.58% | 3.14% | -48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 306% | 309% | 299% | n/a | n/a | |
Estes Park, CO · Cert 19351 · Peer group: banks under $1B in assets (n=581-629) · First National Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.55%
Rank 486 of 629
Net Interest Margin
4.16%
Rank 128 of 629
Efficiency Ratio
67.89%
Rank 317 of 629
Equity / Assets
8.97%
Rank 485 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.55% | 0.60% | 1.01% | 1.45% | Beats 23% | 486 / 629 | n/a | |
| Return on Equity | 6.18% | 5.38% | 9.30% | 13.28% | Beats 29% | 448 / 629 | n/a | |
| Net Interest Margin | 4.16% | 3.03% | 3.54% | 4.05% | Beats 80% | 128 / 629 | n/a | |
| Efficiency Ratio | 67.89% | 58.35% | 67.79% | 79.08% | Beats 50% | 317 / 629 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.61% | n/a | 0.01% | 0.06% | Beats 3% | 567 / 581 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.84% | 11.24% | 13.84% | 18.77% | Beats 20% | 505 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 10.84% | 11.58% | 14.43% | 19.66% | Beats 17% | 524 / 629 | n/a | |
| Equity / Assets | 8.97% | 9.09% | 10.65% | 13.80% | Beats 23% | 485 / 629 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.32% | 67.24% | 80.90% | 93.48% | 21st pctl | 470 / 594 | n/a | |
| Loans / Assets | 56.33% | 53.31% | 67.71% | 78.15% | 29th pctl | 447 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||