First National Bank Colorado: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.58 percentage points higher than in Q1 2026, at 78.64%. First National Bank Colorado ranks 10th of 63 Colorado banks on return on assets, in the upper half at 2.01% (Q2 2026). First National Bank Colorado's return on assets of 2.01% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.76 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.76% |
| Equity capital to assets | 10.85% |
| Tangible equity to tangible assets | 10.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.66% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.01% |
| Return on equity | 18.87% |
| Net interest margin | 4.53% |
| Efficiency ratio | 44.16% |
| Yield on earning assets | 5.93% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.64% |
| Core deposits to total deposits | 87.23% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.95% |
| Securities to assets | 28.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.10% | 2.15% | 4.23% | 0.00% | 0.03% |
| Q4 2023 | 11.60% | 0.98% | 4.16% | 0.00% | 0.00% |
| Q1 2024 | 11.79% | 1.96% | 3.99% | 0.00% | -0.00% |
| Q2 2024 | 11.87% | 1.92% | 4.11% | 0.00% | -0.02% |
| Q3 2024 | 11.82% | 2.12% | 4.03% | 0.01% | 0.02% |
| Q4 2024 | 11.71% | 2.10% | 3.96% | 0.00% | 0.00% |
| Q1 2025 | 11.45% | 2.00% | 3.95% | 0.00% | -0.00% |
| Q2 2025 | 11.60% | 2.18% | 4.07% | 0.00% | 0.01% |
| Q3 2025 | 11.83% | 1.70% | 4.26% | 0.00% | 0.00% |
| Q4 2025 | 11.64% | 2.14% | 4.28% | 0.00% | 0.01% |
| Q1 2026 | 11.69% | 2.18% | 4.34% | 0.00% | 0.01% |
| Q2 2026 | 11.76% | 2.01% | 4.53% | 0.00% | 0.00% |
First National Bank Colorado vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank Colorado, 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 National Bank Colorado profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3034) · FFIEC NIC profile (RSSD 513256)