First National Bank, Cortez
Asset quality shifted last quarter — NPLs rose to 1.97% from 0.55% in the prior period. Operating from Cortez, CO, First National Bank, Cortez serves its local market as an FDIC-insured commercial bank. Total assets stand at $156M. Returns are subdued: 0.06% ROA and 0.69% ROE. Regulatory capital is solid — 14.81% CET1 and 16.04% total risk-based capital ratio. Credit conditions bear watching: 1.97% NPL ratio with a 12.92% Texas Ratio (elevated but below the 100% concern level). The bank operates from a single office.
Headquarters Profile
- Address
- 2258 E Main St, CORTEZ, CO 81321
- County
- Montezuma
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 13
- Established
- May 31, 1958
- Branches
- 1 domestic
- Employees (FTE)
- 19
- FDIC Cert
- 17872
- Fed RSSD
- 968155
- Website
- www.fnbcortez.com →
Capital & Liquidity
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First National Bank, Cortez rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about First National Bank, Cortez
What are First National Bank, Cortez's total assets?
As of the Q1 2026 filing, First National Bank, Cortez reported total assets of $156.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank, Cortez headquartered?
First National Bank, Cortez is headquartered in CORTEZ, CO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank, Cortez founded?
First National Bank, Cortez was established in 1958, per the FDIC institution directory.
Is First National Bank, Cortez FDIC-insured?
Yes. First National Bank, Cortez is an FDIC-insured commercial bank (FDIC Certificate #17872). 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, Cortez?
First National Bank, Cortez's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank, Cortez's CET1 capital ratio?
First National Bank, Cortez reported a Common Equity Tier 1 (CET1) capital ratio of 14.81% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First National Bank, Cortez operate?
First National Bank, Cortez operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is First National Bank, Cortez's Texas Ratio?
First National Bank, Cortez's Texas Ratio is 12.92% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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