First National Bank Colorado: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank Colorado of Las Animas, CO against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.01% | 1.34% | +0.67% | 86th top |
| ROAE | 18.87% | 13.32% | +5.55% | 83rd top |
| Net Interest Margin | 4.53% | 3.93% | +0.60% | 80th top |
| Efficiency Ratio | 44.16% | 61.14% | -16.98% | 90th top |
| PPNR / Avg Assets | 2.50% | 1.68% | +0.82% | 89th top |
| Yield on Earning Assets | 5.93% | 5.67% | +0.26% | 65th above |
| Cost of Funds | 1.54% | 1.88% | -0.34% | 67th above |
| Net Interest Spread | 3.97% | 3.32% | +0.65% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 45th below |
| ACL / Total Loans | 1.66% | 1.28% | +0.38% | 86th top |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
| Provision / NCO | 1281.25% | 1394.97% | -113.72% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.76% | 12.14% | -0.38% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.85% | 11.37% | -0.52% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.70% | 11.08% | -0.38% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.64% | 80.66% | -2.02% | 54th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.23% | 86.85% | +0.38% | 40th below |
| Wholesale Funding Ratio | 5.05% | 5.04% | +0.01% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.12% | 6.84% | -1.72% | 56th above |
| Loan Growth (Y/Y) | 14.73% | 7.91% | +6.82% | 85th top |
| Deposit Growth (Y/Y) | 3.32% | 6.29% | -2.97% | 45th below |
See First National Bank Colorado's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank Colorado, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank Colorado profile, how to read a UBPR, or how this data updates.