First National Bank of Hugo
Hugo, CO · Cert 3029 · Peer group: banks under $1B in assets (n=557-606)
National charter · 3 branches
Q1 2026
$151.1MAssets
$70.4MLoans
$135.6MDeposits
$15.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 79 of 558).
- Widest gap: return on equity trails 99% of banks under $1B in assets (rank 600 of 604).
- Overall: at or above the peer median on 3 of 10 directional measures.
Return on Assets
-6.06%
Rank 595 of 604
Net Interest Margin
2.76%
Rank 512 of 604
Efficiency Ratio
74.84%
Rank 397 of 603
Equity / Assets
9.91%
Rank 346 of 604
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 34% 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 | -6.06% | 0.58% | 1.00% | 1.47% | Beats 1% | 595 / 604 | | |
| Return on Equity | -61.16% | 5.38% | 9.60% | 13.62% | Beats 1% | 600 / 604 | | |
| Net Interest Margin | 2.76% | 3.01% | 3.52% | 4.07% | Beats 15% | 512 / 604 | | |
| Efficiency Ratio | 74.84% | 58.15% | 68.01% | 80.27% | Beats 34% | 397 / 603 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.39% | 1.12% | Beats 100% | 79 / 558 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 211 / 557 | | |
| Capital |
| Tier 1 Capital Ratio | 9.52% | 11.15% | 13.69% | 18.60% | Beats 4% | 578 / 604 | | |
| Total Risk-Based Capital Ratio | 9.52% | 11.56% | 14.21% | 19.70% | Beats 4% | 580 / 604 | | |
| Equity / Assets | 9.91% | 8.81% | 10.34% | 13.22% | Beats 43% | 346 / 604 | | |
| Liquidity & Funding |
| Loans / Deposits | 51.90% | 63.31% | 78.59% | 92.04% | 13th pctl | 498 / 570 | | |
| Loans / Assets | 46.58% | 50.80% | 66.73% | 77.27% | 20th pctl | 485 / 606 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.83% | Beats 100% | 331 / 568 | n/a | |