First American State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 104.71 percentage points in Q2 2026, from 296.56% to 401.27%. It was the largest change from Q1 2026 among the key lines here. On return on assets, First American State Bank is 7th from the bottom among 63 Colorado banks, 0.46% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, First American State Bank reported 0.46% on return on assets in Q2 2026, 0.79 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.07% |
| Tier 1 risk-based capital ratio | 15.07% |
| Total risk-based capital ratio | 16.33% |
| Tier 1 leverage ratio | 9.67% |
| Equity capital to assets | 9.03% |
| Tangible equity to tangible assets | 9.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.77% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 401.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.46% |
| Return on equity | 5.12% |
| Net interest margin | 2.90% |
| Efficiency ratio | 77.76% |
| Yield on earning assets | 5.54% |
| Cost of funds | 2.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.00% |
| Core deposits to total deposits | 90.20% |
| Brokered deposits to total deposits | 9.05% |
| Deposits to assets | 74.81% |
| Securities to assets | 25.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.47% | 13.47% | 14.41% | 9.15% | 0.60% |
| Q4 2023 | 12.83% | 12.83% | 13.76% | 9.15% | 0.42% |
| Q1 2024 | 13.24% | 13.24% | 14.21% | 9.04% | 0.19% |
| Q2 2024 | 13.22% | 13.22% | 14.18% | 9.11% | 0.27% |
| Q3 2024 | 13.28% | 13.28% | 14.24% | 9.14% | 0.33% |
| Q4 2024 | 13.22% | 13.22% | 14.48% | 8.79% | -0.47% |
| Q1 2025 | 13.29% | 13.29% | 14.55% | 8.38% | 0.24% |
| Q2 2025 | 13.40% | 13.40% | 14.65% | 8.92% | 0.58% |
| Q3 2025 | 13.90% | 13.90% | 15.16% | 8.98% | 0.53% |
| Q4 2025 | 14.40% | 14.40% | 15.66% | 9.02% | 0.65% |
| Q1 2026 | 14.74% | 14.74% | 16.00% | 9.37% | 0.42% |
| Q2 2026 | 15.07% | 15.07% | 16.33% | 9.67% | 0.46% |
First American State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First American State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First American State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34040) · FFIEC NIC profile (RSSD 2317672)