Bank Comparison
First Pioneer National Bank vs Gunnison Bank and Trust Company, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
2 · 17
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Pioneer National Bank | Gunnison Bank and Trust Company, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.44% | 13.38% |
| Equity / Assets | 11.50% | 13.00% |
Profitability
| Metric | First Pioneer National Bank | Gunnison Bank and Trust Company, the |
|---|---|---|
| Return on Assets (ROA) | 0.99% | 1.97% |
| Return on Equity (ROE) | 8.46% | 15.54% |
| Net Interest Margin (NIM) | 3.11% | 5.11% |
| Yield on Earning Assets | 4.77% | 6.09% |
| Cost of Funds | 1.83% | 1.06% |
Asset quality
| Metric | First Pioneer National Bank | Gunnison Bank and Trust Company, the |
|---|---|---|
| Texas Ratio | 11.95% | 0.25% |
| Non-Performing Loan Ratio | 2.71% | 0.05% |
| Non-Performing Asset Ratio | 1.44% | 0.03% |
| Net Charge-Off Ratio | 0.22% | 0.01% |
| ACL / Loans | 1.05% | 1.20% |
Balance sheet
| Metric | First Pioneer National Bank | Gunnison Bank and Trust Company, the |
|---|---|---|
| Total Assets | $252,579K | $247,341K |
| Total Deposits | $212,924K | $202,844K |
| Total Loans | $134,416K | $173,344K |
| Total Equity | $29,054K | $32,158K |
| Net Income (quarter) | $613 | $1,237K |
Liquidity & funding
| Metric | First Pioneer National Bank | Gunnison Bank and Trust Company, the |
|---|---|---|
| Loan-to-Deposit Ratio | 63.13% | 85.46% |
| Core Deposit Ratio | 84.42% | 91.73% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Pioneer National Bank | Gunnison Bank and Trust Company, the |
|---|---|---|
| Headquarters City | WRAY | GUNNISON |
| Headquarters State | CO | CO |
| Asset Tier | Small | Small |
| Charter Class | 8752 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 27 | 44 |
| Established | July 1, 1902, midnight | Dec. 23, 1910, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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