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First National Bank Colorado

Las Animas, CO · Cert 3034 · First Bankshares Las Animas

National charter · OCC · 7 branches

Q2 2026

$634.3MAssets
$418.7MLoans
$532.4MDeposits
$68.8MEquity
Loan mix
85%RE $291.9M13%C&I $46.2M1%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $411.7M23%Noninterest $120.8MQ2 2025Q2 2026

NIM

5.33%Q2 ’245.39%Q2 ’255.59%Q2 ’26-1%+8%

Non-interest income vs. expense

2.15%Q2 ’242.01%Q2 ’252.09%Q2 ’26-9%+4%

Market Position · Colorado Springs, CO · 2026 SOD (annual) · 1.3% share · #22 of 41 inst. · $0.1B of $10.7B

32.7% Otero
1.4% El Paso
69.5% Bent
100.0% Crowley

Executive Summary

  • Earnings: ROA of 1.64%, down 12 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.76%, up 16 bps from a year ago.
  • Funding: loans stand at 78.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.64%-12 bps YoY

Net Interest Margin (quarter, annualized)

4.24%+31 bps YoY

Efficiency Ratio (quarter, annualized)

45.62%-158 bps YoY

Tier 1 Leverage Ratio

11.76%+16 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%1.37%1.79%1.78%1.64%-12 bps
Return on Equity18.93%13.78%17.19%17.06%15.42%-352 bps
Net Interest Margin3.94%4.07%4.06%4.06%4.24%+31 bps
Efficiency Ratio47.20%47.44%47.65%47.89%45.62%-158 bps
Non-Interest Burden1.68%1.74%1.76%1.76%1.74%+6 bps
Growth
Asset Growth (YoY)5.54%1.19%5.14%2.00%5.12%-42 bps
Loan Growth (YoY)4.42%2.99%5.75%6.46%14.73%+1,030 bps
Deposit Growth (YoY)3.75%2.33%4.18%0.55%3.32%-42 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.03%0.03%0.03%0.00%-2 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.01%0.00%0 bps
Allowance / Loans1.83%1.79%1.81%1.72%1.66%-18 bps
Allowance Coverage of NPLs98.4x67.2x67.4x67.0xn/an/a
Capital
Tier 1 Leverage Ratio11.60%11.83%11.64%11.69%11.76%+16 bps
Total Risk-Based Capital11.60%11.83%11.64%11.69%11.76%+16 bps
Equity / Assets9.48%10.34%10.50%10.39%10.85%+137 bps
Liquidity & Funding
Loans / Deposits70.82%72.81%69.06%74.06%78.64%+782 bps
Liquid Assets / Assets0.84%0.83%0.92%0.91%0.85%+1 bps
CRE / Total Capitaln/a162.92%164.98%169.51%n/an/a