First American State Bank
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Data as of · sourced from FFIEC call reports. How we update
First American State Bank is an FDIC-insured commercial bank headquartered in Greenwood Village, CO, established in 1995 (FDIC certificate 34040), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $276.9M, down 5.3% from Q2 2025, the 37th largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 15.07% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34040
- Headquarters
- Greenwood Village, CO
- Established
- 1995
- Total assets, Q2 2026
- $276.9M
- Assets vs Q2 2025
- -5.3%
- CET1 ratio, Q2 2026
- 15.07%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 102006326
- Holding company
- FIRST AMERICAN BANCORP
- Asset rank in state
- 37th of 63 in Colorado
First American State Bank, based in Greenwood Village, Colorado, reported $277 million in assets at June 30, 2026, down 5.3% from a year earlier. It keeps 2.90 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 2.88% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Net income for the quarter slipped 24% from a year earlier, to $321,000. Over the same year, loans shrank 9.4% and deposits grew 3.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
As of June 30, 2026, First American State Bank reported a CET1 capital ratio of 15.07%, a return on assets of 0.46%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.77%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, First American State Bank is the 37th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.7% to $276.9M, loans fell 2.6% and deposits rose 2.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 40.8% of total loans, followed by non-owner-occupied commercial real estate loans at 35.5%. The FDIC Summary of Deposits lists a single office for it, in Greenwood Village, CO. Judged on its Q2 2026 call report, First American State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8390 E Crescent Pkwy, Greenwood Village, CO 80111
- County
- Arapahoe
- Metro Area
- Denver-Aurora-Centennial, CO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 10, 1995
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $207.1M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $279.3M
- Average total loans
- $195.9M
- Average interest-bearing deposits
- $173.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 10, 1995
- FDIC Cert
- 34040
- Fed RSSD
- 2317672
- Website
- http://www.fasbank.com →
- Parent Holding Company
- FIRST AMERICAN BANCORP (RSSD 2747765)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First American State Bank's total assets moved between a low of $276.9M (Q2 2026) and a high of $298.2M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$276.9M total assets against $292.4M; $251.9M total liabilities against $267.7M.
$192.8M net loans and leases against $212.9M; $207.1M total deposits against $200.4M.
$69.8M securities against $67.1M; $8.7M cash and balances due against $4.4M.
$3.8M total interest income against $4.0M; $1.8M total interest expense against $2.1M.
$2.0M net interest income against $1.9M.
$37K total noninterest income against $88K; $1.6M total noninterest expense against $1.5M.
$0 provision for credit losses against $0.
$321K net income against $425K.
0.46% return on assets against 0.58%; 2.90% net interest margin against 2.71%.
15.07% CET1 capital ratio against 13.40%; 9.67% tier 1 leverage ratio against 8.92%.
Inside the full First American State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First American State Bank rankings
Its closest position to the top of a national ranking is 879 of 2,134, for CET1 ratio; its furthest is 3,284 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.47% (Q4 2024) to 0.65% (Q4 2025) and its net interest margin ran from 2.57% (Q3 2024) to 2.90% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.07% | 0.46% | 0.24% | 1.77% | 2.90% |
| Q1 2026 | 14.74% | 0.42% | 0.32% | 2.39% | 2.88% |
| Q4 2025 | 14.40% | 0.65% | 0.32% | 2.36% | 2.89% |
| Q3 2025 | 13.90% | 0.53% | 0.30% | 2.36% | 2.73% |
| Q2 2025 | 13.40% | 0.58% | 0.30% | 3.99% | 2.71% |
| Q1 2025 | 13.29% | 0.24% | 0.00% | 1.60% | 2.63% |
| Q4 2024 | 13.22% | -0.47% | 0.00% | 1.62% | 2.57% |
| Q3 2024 | 13.28% | 0.33% | 0.00% | 1.50% | 2.57% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First American State Bank (main office) | Greenwood Village , CO | 80111 | $207.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- August 20, 2010, Federal Reserve: Written Agreement: First American State Bank, Greenwood Village, Colorado
- Period: Most recent institution action August 20, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in CO, rank 73 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First American State Bank
What are First American State Bank's total assets?
As of the Q2 2026 filing, First American State Bank reported total assets of $276.9 million in its FFIEC call report.
Where is First American State Bank headquartered?
It is headquartered in Greenwood Village, CO, United States.
When was First American State Bank founded?
It was established in 1995, per the FDIC institution directory.
Is First American State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34040). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First American State Bank?
First American State Bank's primary federal regulator is the Federal Reserve.
What is First American State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First American State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First American State Bank's Texas Ratio?
Its Texas Ratio is 1.77% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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