First National Bank, Cortez: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank, Cortez of Cortez, CO against its peer group of 2672 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 | 1.13% | 1.34% | -0.21% | 40th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.49% | 13.31% | -0.82% | 51st above |
| Net Interest Margin | 3.90% | 3.93% | -0.03% | 48th below |
| Efficiency Ratio | 58.55% | 61.14% | -2.59% | 58th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.64% | 1.68% | -0.04% | 53rd above |
| Yield on Earning Assets | 5.71% | 5.67% | +0.04% | 55th above |
| Cost of Funds | 1.94% | 1.88% | +0.06% | 41st below |
| Net Interest Spread | 3.26% | 3.32% | -0.06% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.92% | 0.94% | +0.98% | 14th bottom |
| NPA / Total Assets | 1.25% | 0.70% | +0.55% | 15th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 46th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) | 66.17% | 1538.92% | -1472.75% | 17th bottom |
| Texas Ratio | 12.48% | 7.33% | +5.15% | 16th bottom |
| Provision / NCO | 106.92% | 1395.79% | -1288.87% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.00% | 19.50% | -4.50% | 49th below |
| Tier 1 Ratio | 15.00% | 19.54% | -4.54% | 48th below |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.25% | 20.62% | -4.37% | 50th above |
| Leverage Ratio | 9.98% | 12.14% | -2.16% | 31st below |
| Equity / Assets | 9.20% | 11.37% | -2.17% | 30th below |
| TCE / Tangible Assets | 9.20% | 11.09% | -1.89% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.54% | 80.64% | -6.10% | 62nd above |
| Core Deposit Ratio | 90.88% | 86.86% | +4.02% | 60th above |
| Wholesale Funding Ratio | 2.55% | 5.03% | -2.48% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.88% | 6.85% | -3.97% | 39th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.84% | 7.90% | -1.06% | 59th above |
| Deposit Growth (Y/Y) | 3.85% | 6.29% | -2.44% | 49th below |
See First National Bank, Cortez's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank, Cortez, 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, Cortez profile, how to read a UBPR, or how this data updates.