First National Bank, Cortez: 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 Reserve coverage of non-performing loans: 3.87 percentage points higher than in Q1 2026, at 66.17%. First National Bank, Cortez ranks 34th of 63 Colorado banks on return on assets, in the lower half at 1.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First National Bank, Cortez sits 0.12 points lower, at 1.13% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.00% |
| Tier 1 risk-based capital ratio | 15.00% |
| Total risk-based capital ratio | 16.25% |
| Tier 1 leverage ratio | 9.98% |
| Equity capital to assets | 9.20% |
| Tangible equity to tangible assets | 9.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.92% |
| Non-performing assets ratio | 1.25% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 12.48% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 66.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 12.49% |
| Net interest margin | 3.90% |
| Efficiency ratio | 58.55% |
| Yield on earning assets | 5.71% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.54% |
| Core deposits to total deposits | 90.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.48% |
| Securities to assets | 23.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.53% | 15.53% | 16.76% | 10.58% | 1.00% |
| Q4 2023 | 15.45% | 15.45% | 16.70% | 10.78% | 1.15% |
| Q1 2024 | 14.39% | 14.39% | 15.57% | 10.24% | 1.00% |
| Q2 2024 | 15.18% | 15.18% | 16.39% | 10.14% | 1.04% |
| Q3 2024 | 15.29% | 15.29% | 16.49% | 10.34% | 0.98% |
| Q4 2024 | 15.54% | 15.54% | 16.79% | 10.64% | 0.88% |
| Q1 2025 | 15.76% | 15.76% | 17.01% | 10.43% | 1.10% |
| Q2 2025 | 14.98% | 14.98% | 16.20% | 10.19% | 1.21% |
| Q3 2025 | 15.75% | 15.75% | 17.00% | 10.12% | 1.26% |
| Q4 2025 | 15.80% | 15.80% | 17.05% | 10.55% | 1.11% |
| Q1 2026 | 14.81% | 14.81% | 16.04% | 9.89% | 0.06% |
| Q2 2026 | 15.00% | 15.00% | 16.25% | 9.98% | 1.13% |
First National Bank, Cortez vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank, Cortez, 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, Cortez profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17872) · FFIEC NIC profile (RSSD 968155)