FIRST NATIONAL BANK IN TRINIDAD

TRINIDAD, CO | Small | Est. April 16, 1875, midnight | FDIC #14584 | RSSD #474058 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK IN TRINIDAD is asn small FDIC-insured commercial bank headquartered in TRINIDAD, CO, established in April 16, 1875, midnight. As of 2025-12-31, the bank reported total assets of $259M and total deposits of $243M. Profitability stands at 0.68% ROA and 11.95% ROE, with a net interest margin of 3.72%. The bank's CET1 capital ratio is 6.05%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.77% and a Texas Ratio of 6.24%. FDIC Certificate #14584.

Assets

$259M

Deposits

$243M

Loans

$143M

Equity

$16M

Profitability

Return on Assets (ROA) 0.68%
Return on Equity (ROE) 11.95%
Net Interest Margin (NIM) 3.72%
Yield on Assets 4.55%
Cost of Funds 0.81%

Asset Quality

NPL Ratio 0.77%
Net Charge-Off Ratio 0.00%
Texas Ratio 6.24%
NPA Ratio 0.43%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 6.05%
Tier 1 Capital 6.05%
Total Capital Ratio 6.36%
Leverage Ratio 10.53%
Loan-to-Deposit 58.92%

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