First National Bank in Trinidad
Also written as FNB in Trinidad
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Data as of · sourced from FFIEC call reports. How we update
First National Bank in Trinidad is an FDIC-insured commercial bank headquartered in Trinidad, CO, established in 1875 (FDIC certificate 14584), and it is supervised by the OCC. At Q2 2026 it reported total assets of $250.5M, down 5.4% from Q2 2025, the 40th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.89% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 14584
- Headquarters
- Trinidad, CO
- Established
- 1875
- Total assets, Q2 2026
- $250.5M
- Assets vs Q2 2025
- -5.4%
- Tier 1 leverage ratio, Q2 2026
- 10.89%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 102100138
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank in Trinidad Q3 2026 call report, filed October 9, 2026 (preliminary)
- Holding company
- REPUBLIC TRINIDAD CORPORATION
- Asset rank in state
- 40th of 63 in Colorado
First National Bank in Trinidad, based in Trinidad, Colorado, reported $251 million in assets at June 30, 2026, down 5.4% from a year earlier. It pays an average of 0.78% on its deposits and borrowings, about half the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. It also shrank its loan book 3.7% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 42% of Tier 1 capital, down from 62% a year earlier. Net income for the quarter slipped 29% from a year earlier, to $385,000. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, First National Bank in Trinidad reported a return on assets of 0.60%, a nonperforming-loan ratio of 0.95% and a Texas ratio of 7.35%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, First National Bank in Trinidad is the 40th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.1% to $250.5M, loans rose 0.8% and deposits fell 2.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 74.6% of total loans, followed by non-owner-occupied commercial real estate loans at 5.2%. The FDIC Summary of Deposits lists 4 offices for it, in Trinidad, CO and Walsenburg, CO; its Trinidad 3 offices book 78% of its branch deposits. Judged on its Q2 2026 call report, First National Bank in Trinidad meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Main St, Trinidad, CO 81082
- County
- Las Animas
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 16, 1875
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $234.3M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $254.6M
- Average total loans
- $139.9M
- Average interest-bearing deposits
- $176.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 13, 1934
- FDIC Cert
- 14584
- Fed RSSD
- 474058
- SEC CIK
- 202995 → filed by REPUBLIC TRINIDAD CORPORATION
- Website
- http://www.FNBTRINIDAD.COM →
- Parent Holding Company
- REPUBLIC TRINIDAD CORPORATION (RSSD 1054073)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank in Trinidad reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First National Bank in Trinidad's total assets ranged from $250.5M (Q2 2026) to $294.3M (Q4 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$250.5M total assets against $264.8M; $234.4M total liabilities against $254.5M.
$138.6M net loans and leases against $144.1M; $234.3M total deposits against $254.4M.
$82.2M securities against $85.2M; $9.6M cash and balances due against $15.5M.
$2.6M total interest income against $2.7M; $467K total interest expense against $501K.
$2.1M net interest income against $2.2M.
$222K total noninterest income against $232K; $2.0M total noninterest expense against $1.8M.
$20K provision for credit losses against $34K.
$385K net income against $543K.
0.60% return on assets against 0.84%; 3.58% net interest margin against 3.57%.
10.89% tier 1 leverage ratio against 10.43%.
Inside the full First National Bank in Trinidad terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank in Trinidad rankings
Its closest position to the top of a national ranking is 912 of 3,640, for Texas Ratio; its furthest is 3,263 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q1 2025) to 0.94% (Q4 2024) and its net interest margin ran from 3.26% (Q4 2024) to 3.62% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.89% | 0.60% | 0.95% | 7.35% | 3.58% |
| Q1 2026 | 10.68% | 0.44% | 0.92% | 7.50% | 3.58% |
| Q4 2025 | 10.53% | 0.68% | 0.77% | 6.24% | 3.62% |
| Q3 2025 | 10.50% | 0.77% | 0.90% | 8.32% | 3.53% |
| Q2 2025 | 10.43% | 0.84% | 1.19% | 14.12% | 3.57% |
| Q1 2025 | 10.42% | 0.42% | 0.54% | 5.53% | 3.38% |
| Q4 2024 | 10.41% | 0.94% | 0.49% | 6.43% | 3.26% |
| Q3 2024 | 10.24% | 0.49% | 0.89% | 7.84% | 3.27% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank in Trinidad | Trinidad , CO | 81082 | $166.5M |
| Huerfano County Branch | Walsenburg , CO | 81089 | $51.8M |
| Wal-Mart Branch | Trinidad , CO | 81082 | $16.1M |
| Motor Bank Branch | Trinidad , CO | 81082 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CO, rank 67 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $630K approved, $630K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank in Trinidad
What are First National Bank in Trinidad's total assets?
As of the Q2 2026 filing, First National Bank in Trinidad reported total assets of $250.5 million in its FFIEC call report.
Where is First National Bank in Trinidad headquartered?
It is headquartered in Trinidad, CO, United States.
When was First National Bank in Trinidad founded?
It was established in 1875, per the FDIC institution directory.
Is First National Bank in Trinidad FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14584). 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 in Trinidad?
First National Bank in Trinidad's primary federal regulator is the OCC.
How many branches does First National Bank in Trinidad operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank in Trinidad's Texas Ratio?
Its Texas Ratio is 7.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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