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 | |