First National Bank Colorado
Las Animas, CO · Cert 3034 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Bankshares Las Animas
National charter · OCC · 7 branches
Q2 2026
$634.3MAssets
$418.7MLoans
$532.4MDeposits
$68.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: total risk-based capital ratio trails 73% of banks under $1B in assets operating in a single state (rank 547 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.70%
Rank 109 of 746
Net Interest Margin
4.16%
Rank 188 of 746
Efficiency Ratio
46.73%
Rank 68 of 746
Equity / Assets
10.85%
Rank 336 of 746
Non-interest income vs. expense
Unfavorable gap of $11.0M · efficiency ratio beats 91% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.72% | 1.06% | 1.45% | Beats 85% | 109 / 746 | | |
| Return on Equity | 15.68% | 6.74% | 10.51% | 13.63% | Beats 86% | 102 / 746 | | |
| Net Interest Margin | 4.16% | 3.17% | 3.68% | 4.16% | Beats 75% | 188 / 746 | | |
| Efficiency Ratio | 46.73% | 55.74% | 64.58% | 75.47% | Beats 91% | 68 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 59% | 304 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 11.55% | 13.75% | 17.60% | Beats 29% | 530 / 746 | | |
| Total Risk-Based Capital Ratio | 11.76% | 11.71% | 14.33% | 18.43% | Beats 27% | 547 / 746 | | |
| Equity / Assets | 10.85% | 8.90% | 10.51% | 13.06% | Beats 55% | 336 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.64% | 61.31% | 78.27% | 90.78% | 51st pctl | 367 / 746 | | |
| Loans / Assets | 66.01% | 53.60% | 66.97% | 76.08% | 48th pctl | 390 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |