First National Bank Colorado
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Data as of · sourced from FFIEC call reports. How we update
First National Bank Colorado is an FDIC-insured commercial bank headquartered in Las Animas, CO, established in 1901 (FDIC certificate 3034), and it is supervised by the OCC. At Q2 2026 it reported total assets of $634.3M, up 5.1% from Q2 2025, the 18th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3034
- Headquarters
- Las Animas, CO
- Established
- 1901
- Total assets, Q2 2026
- $634.3M
- Assets vs Q2 2025
- +5.1%
- Tier 1 leverage ratio, Q2 2026
- 11.76%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 102101111
- Latest call report
- Q2 2026, FFIEC 041 · First National Bank Colorado call report
- Holding company
- FIRST BANKSHARES OF LAS ANIMAS, INC.
- Asset rank in state
- 18th of 63 in Colorado
First National Bank Colorado runs leaner than most banks of its size. Its balance sheet stood at $634 million at June 30, 2026, up 5.1% from a year earlier; it is based in Las Animas, Colorado. It spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Loans are outrunning deposits: over the year loans rose 14.7% and deposits rose 3.3%. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.0 million equal 11% of Tier 1 capital, down from 23% a year earlier.
As of June 30, 2026, First National Bank Colorado reported a return on assets of 2.01%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
First National Bank Colorado ranks as the 18th largest of the 63 banks based in Colorado, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $634.3M, loans rose 6.5% and deposits rose 0.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 22.7% of total loans, ahead of 1-4 family residential loans at 19.1%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in CO; its Las Animas office books 24% of its branch deposits. On its Q2 2026 call report, First National Bank Colorado meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 535 Bent Ave, Las Animas, CO 81054
- County
- Bent
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1901
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 83
- Domestic deposits
- $532.4M
- Allowance for credit losses
- $6.9M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $628.7M
- Average total loans
- $404.2M
- Average interest-bearing deposits
- $396.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3034
- Fed RSSD
- 513256
- Parent Holding Company
- FIRST BANKSHARES OF LAS ANIMAS, INC. (RSSD 1064027)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First National Bank Colorado reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank Colorado's total assets ran between $547.7M (Q3 2023) and $637.3M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$634.3M total assets against $603.4M; $565.4M total liabilities against $546.2M.
$411.8M net loans and leases against $358.3M; $532.4M total deposits against $515.3M.
$183.8M securities against $204.8M; $8.0M cash and balances due against $11.8M.
$8.8M total interest income against $8.2M; $2.1M total interest expense against $2.2M.
$6.7M net interest income against $6.0M.
$557K total noninterest income against $513K; $3.3M total noninterest expense against $3.1M.
$175K provision for credit losses against $30K.
$3.2M net income against $3.3M.
2.01% return on assets against 2.18%; 4.53% net interest margin against 4.07%.
11.76% tier 1 leverage ratio against 11.60%.
Inside the full First National Bank Colorado terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank Colorado rankings
Its closest position to the top of a national ranking is 381 of 3,606, for efficiency ratio; its furthest is 3,391 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.70% (Q3 2025) to 2.18% (Q1 2026) and its net interest margin ran from 3.95% (Q1 2025) to 4.53% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.76% | 2.01% | 0.00% | 0.00% | 4.53% |
| Q1 2026 | 11.69% | 2.18% | 0.03% | 0.14% | 4.34% |
| Q4 2025 | 11.64% | 2.14% | 0.03% | 0.14% | 4.28% |
| Q3 2025 | 11.83% | 1.70% | 0.03% | 0.15% | 4.26% |
| Q2 2025 | 11.60% | 2.18% | 0.02% | 0.11% | 4.07% |
| Q1 2025 | 11.45% | 2.00% | 0.03% | 0.16% | 3.95% |
| Q4 2024 | 11.71% | 2.10% | 0.01% | 0.07% | 3.96% |
| Q3 2024 | 11.82% | 2.12% | 0.01% | 0.05% | 4.03% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → 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 National Bank Colorado (main office) | Las Animas , CO | 81054 | $128.4M |
| Monument Branch | Monument , CO | 80132 | $106.6M |
| La Junta Branch | La Junta , CO | 81050 | $101.4M |
| The First National Bank of Ordway Branch | Ordway , CO | 81063 | $64.4M |
| Rocky Ford Branch | Rocky Ford , CO | 81067 | $56.2M |
| Fowler Branch | Fowler , CO | 81039 | $38.5M |
| Flying Horse Branch | Colorado Springs , CO | 80921 | $36.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 14, 2012 | Structure Change | Acquired The First National Bank of Ordway Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 26, 1990 | Structure Change | Acquired Otero Savings, a Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- December 18, 2003, OCC: Formal Agreement: First National Bank - Colorado
- Period: Most recent institution action December 18, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in CO, rank 35 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 85 applications, 67 loans originated, $19.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $70K approved, $70K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 National Bank Colorado
What are First National Bank Colorado's total assets?
As of the Q2 2026 filing, First National Bank Colorado reported total assets of $634.3 million in its FFIEC call report.
Where is First National Bank Colorado headquartered?
It is headquartered in Las Animas, CO, United States.
When was First National Bank Colorado founded?
It was established in 1901, per the FDIC institution directory.
Is First National Bank Colorado FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3034). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank Colorado?
First National Bank Colorado's primary federal regulator is the OCC.
How many branches does First National Bank Colorado operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank Colorado's Texas Ratio?
Its Texas Ratio is 0.00% 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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