First American State Bank
Greenwood Village, CO · Cert 34040 · Peer group: banks under $1B in assets (n=581-629) · First American Bcorp
State charter, Fed member · FED · 1 branch
Q2 2026
$276.9MAssets
$194.7MLoans
$207.1MDeposits
$25.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 66% of banks under $1B in assets (rank 197 of 581).
- Widest gap: net interest margin trails 83% of banks under $1B in assets (rank 519 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.45%
Rank 515 of 629
Net Interest Margin
2.83%
Rank 519 of 629
Efficiency Ratio
80.88%
Rank 487 of 629
Equity / Assets
9.03%
Rank 478 of 629
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 23% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.60% | 1.01% | 1.45% | Beats 18% | 515 / 629 | |
| Return on Equity | 4.98% | 5.38% | 9.30% | 13.28% | Beats 22% | 488 / 629 | |
| Net Interest Margin | 2.83% | 3.03% | 3.54% | 4.05% | Beats 17% | 519 / 629 | |
| Efficiency Ratio | 80.88% | 58.35% | 67.79% | 79.08% | Beats 23% | 487 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.09% | 0.46% | 1.20% | Beats 61% | 226 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 66% | 197 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 15.07% | 11.24% | 13.84% | 18.77% | Beats 60% | 250 / 629 | |
| Total Risk-Based Capital Ratio | 16.33% | 11.58% | 14.43% | 19.66% | Beats 63% | 230 / 629 | |
| Equity / Assets | 9.03% | 9.09% | 10.65% | 13.80% | Beats 24% | 478 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 94.00% | 67.24% | 80.90% | 93.48% | 77th pctl | 138 / 594 | |
| Loans / Assets | 70.32% | 53.31% | 67.71% | 78.15% | 56th pctl | 277 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |