BanksFIRST NATIONAL BANK IN TRINIDAD

FIRST NATIONAL BANK IN TRINIDAD

TRINIDAD, COSmallEst. April 16, 1875, midnightFDIC #14584RSSD #474058OCC
Latest · 2025-12-31

FIRST NATIONAL BANK IN TRINIDAD is an 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%. CET1 capital ratio: 6.05%, below the well-capitalized threshold. NPL ratio: 0.77% · Texas Ratio: 6.24%. Operates 4 domestic branches.

Assets
$259M
Deposits
$243M
Loans
$143M
Equity
$16M

Profitability

Return on Assets (ROA)0.68%
Return on Equity (ROE)11.95%
Net Interest Margin3.72%
Yield on Assets4.55%
Cost of Funds0.81%

Asset Quality

NPL Ratio0.77%
Net Charge-Off Ratio0.00%
Texas Ratio6.24%
NPA Ratio0.43%
ACL / Loans1.47%

Capital & Liquidity

CET1 Ratio6.05%
Tier 1 Capital6.05%
Total Capital Ratio6.36%
Leverage Ratio10.53%
Loan-to-Deposit58.92%

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