FIRST NATIONAL BANK, CORTEZ

CORTEZ, CO | Small | Est. May 31, 1958, midnight | FDIC #17872 | RSSD #968155 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK, CORTEZ is asn small FDIC-insured commercial bank headquartered in CORTEZ, CO, established in May 31, 1958, midnight. As of 2025-12-31, the bank reported total assets of $152M and total deposits of $132M. Profitability stands at 1.11% ROA and 11.57% ROE, with a net interest margin of 4.00%. The bank's CET1 capital ratio is 15.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.55% and a Texas Ratio of 3.30%. FDIC Certificate #17872.

Assets

$152M

Deposits

$132M

Loans

$98M

Equity

$15M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 11.57%
Net Interest Margin (NIM) 4.00%
Yield on Assets 5.93%
Cost of Funds 1.99%

Asset Quality

NPL Ratio 0.55%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.30%
NPA Ratio 0.35%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 15.80%
Tier 1 Capital 15.80%
Total Capital Ratio 17.05%
Leverage Ratio 10.55%
Loan-to-Deposit 74.08%

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