First National Bank in Trinidad: 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.
Loan-to-deposit ratio climbed 2.04 percentage points in Q2 2026, from 58.04% to 60.08%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, First National Bank in Trinidad is 54th of 63 on loan-to-deposit ratio, 60.08% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank in Trinidad sits 20.86 points lower, at 60.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $140.8M |
| Net loans and leases | $138.6M |
| Loans held for sale | $0 |
| Loans to total assets | 56.19% |
| Loan-to-deposit ratio | 60.08% |
| Net loans to equity capital | 8.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.36% |
| Multifamily (5+ residential) | 1.07% |
| Commercial and industrial | 2.35% |
| Consumer | 1.38% |
| Credit cards | 0.00% |
| Farm | 4.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 51.67% |
| Construction concentration (Tier 1 capital + allowance) | 22.15% |
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 | 5.68% |
| Interest income on loans | $2.0M |
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 | $119.6M | $242.9M | 11.49% | 2.74% | 1.56% |
| Q4 2023 | $130.9M | $237.7M | 13.01% | 2.90% | 1.49% |
| Q1 2024 | $136.3M | $230.1M | 12.35% | 2.82% | 1.34% |
| Q2 2024 | $136.3M | $232.3M | 12.77% | 2.73% | 1.28% |
| Q3 2024 | $138.1M | $234.0M | 12.64% | 2.76% | 1.29% |
| Q4 2024 | $139.1M | $235.9M | 11.56% | 2.61% | 1.22% |
| Q1 2025 | $139.4M | $244.5M | 11.53% | 2.54% | 1.12% |
| Q2 2025 | $146.1M | $254.4M | 11.20% | 2.02% | 1.06% |
| Q3 2025 | $147.2M | $244.2M | 10.72% | 2.04% | 0.97% |
| Q4 2025 | $143.2M | $243.1M | 11.14% | 2.35% | 0.93% |
| Q1 2026 | $139.7M | $240.7M | 10.87% | 2.39% | 1.35% |
| Q2 2026 | $140.8M | $234.3M | 10.36% | 2.35% | 1.38% |
First National Bank in Trinidad loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Trinidad, 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 in Trinidad profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14584) · FFIEC NIC profile (RSSD 474058)