First National Bank, Cortez: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 13.83 percentage points in Q2 2026, from 187.48% to 173.65%. It was the largest change from Q1 2026 among the key lines here. First National Bank, Cortez ranks 41st of 63 Colorado banks on loan-to-deposit ratio, in the lower half at 74.54% (Q2 2026). First National Bank, Cortez reported 74.54% on loan-to-deposit ratio for Q2 2026, 6.30 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $102.3M |
| Net loans and leases | $101.0M |
| Loans held for sale | $0 |
| Loans to total assets | 65.20% |
| Loan-to-deposit ratio | 74.54% |
| Net loans to equity capital | 7.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.00% |
| Multifamily (5+ residential) | 2.12% |
| Commercial and industrial | 6.56% |
| Consumer | 2.74% |
| Credit cards | 0.00% |
| Farm | 6.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.84% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 173.65% |
| Construction concentration (Tier 1 capital + allowance) | 28.62% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.89% |
| Interest income on loans | $1.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $80.5M | $113.9M | 31.08% | 4.81% | 4.00% |
| Q4 2023 | $84.8M | $107.6M | 31.74% | 4.53% | 3.84% |
| Q1 2024 | $87.1M | $113.0M | 32.98% | 4.88% | 3.90% |
| Q2 2024 | $85.9M | $113.6M | 34.34% | 5.17% | 3.88% |
| Q3 2024 | $88.0M | $118.6M | 36.51% | 5.26% | 4.09% |
| Q4 2024 | $90.9M | $120.0M | 37.13% | 5.27% | 4.09% |
| Q1 2025 | $92.0M | $123.3M | 37.13% | 5.75% | 4.04% |
| Q2 2025 | $95.8M | $132.2M | 38.01% | 7.61% | 3.59% |
| Q3 2025 | $95.6M | $132.5M | 37.58% | 7.17% | 3.60% |
| Q4 2025 | $97.9M | $132.2M | 35.81% | 5.98% | 3.43% |
| Q1 2026 | $99.6M | $136.9M | 33.57% | 6.68% | 3.09% |
| Q2 2026 | $102.3M | $137.2M | 33.00% | 6.56% | 2.74% |
First National Bank, Cortez loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank, Cortez, freeSource: Call Report Schedule RC-C, 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, Cortez profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17872) · FFIEC NIC profile (RSSD 968155)