First Pioneer National Bank
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Data as of · sourced from FFIEC call reports. How we update
First Pioneer National Bank is an FDIC-insured commercial bank headquartered in Wray, CO, established in 1902 (FDIC certificate 3063), and it is supervised by the OCC. At Q2 2026 it reported total assets of $243.4M, up 2.4% from Q2 2025, the 41st largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.53% 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
- 3063
- Headquarters
- Wray, CO
- Established
- 1902
- Total assets, Q2 2026
- $243.4M
- Assets vs Q2 2025
- +2.4%
- Tier 1 leverage ratio, Q2 2026
- 12.53%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 102101315
- Latest call report
- Q2 2026, FFIEC 051 · First Pioneer National Bank call report
- Holding company
- FIRST PIONEER BANK CORP.
- Asset rank in state
- 41st of 63 in Colorado
First Pioneer National Bank, based in Wray, Colorado, reported $243 million in assets at June 30, 2026, up 2.4% from a year earlier. It holds commercial real estate loans equal to only 22% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 11.8% of the capital and reserves that would absorb them, 4.5 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $723,000, 63% above the same quarter a year earlier. Its margin is thin by comparison: it keeps 3.29 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, First Pioneer National Bank reported a return on assets of 1.15%, a nonperforming-loan ratio of 2.79% and a Texas ratio of 11.77%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Pioneer National Bank is the 41st largest of the 63 banks headquartered in Colorado. Between Q1 2026 and Q2 2026, its total assets fell 3.6% to $243.4M, loans fell 2.9% and deposits fell 3.5%. Farmland and other real estate loans made up 38.8% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 30.2%. The FDIC Summary of Deposits lists 2 offices for it, in Wray, CO and Holyoke, CO; its Wray office books 59% of its branch deposits. Judged on its Q2 2026 call report, First Pioneer National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 145 W 4th St, Wray, CO 80758
- County
- Yuma
- 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
- July 1, 1902
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $205.5M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $72K
- Average total assets
- $251.4M
- Average total loans
- $132.7M
- Average interest-bearing deposits
- $162.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3063
- Fed RSSD
- 357553
- Website
- www.fpnb.bank →
- Parent Holding Company
- FIRST PIONEER BANK CORP. (RSSD 1062528)
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 Pioneer National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Pioneer National Bank's total assets ran between $232.1M (Q1 2024) and $252.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$243.4M total assets against $237.7M; $213.9M total liabilities against $210.6M.
$129.1M net loans and leases against $124.5M; $205.5M total deposits against $200.3M.
$92.6M securities against $96.5M; $15.9M cash and balances due against $10.8M.
$3.0M total interest income against $2.6M; $1.0M total interest expense against $1.1M.
$2.0M net interest income against $1.6M.
$94K total noninterest income against $102K; $1.2M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$723K net income against $444K.
1.15% return on assets against 0.74%; 3.29% net interest margin against 2.73%.
12.53% tier 1 leverage ratio against 12.53%.
Inside the full First Pioneer National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Pioneer National Bank rankings
Its closest position to the top of a national ranking is 492 of 3,640, for Texas Ratio; its furthest is 2,738 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.58% (Q3 2024) to 1.15% (Q2 2026) and its net interest margin ran from 2.32% (Q3 2024) to 3.29% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.53% | 1.15% | 2.79% | 11.77% | 3.29% |
| Q1 2026 | 12.44% | 0.99% | 2.71% | 11.95% | 3.11% |
| Q4 2025 | 12.68% | 0.77% | 2.71% | 12.23% | 2.90% |
| Q3 2025 | 12.66% | 0.84% | 2.82% | 12.25% | 2.83% |
| Q2 2025 | 12.53% | 0.74% | 2.89% | 12.71% | 2.73% |
| Q1 2025 | 12.38% | 0.72% | 2.90% | 13.14% | 2.65% |
| Q4 2024 | 12.24% | 0.61% | 2.83% | 13.68% | 2.57% |
| Q3 2024 | 12.10% | 0.58% | 3.00% | 13.26% | 2.32% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| First Pioneer National Bank (main office) | Wray , CO | 80758 | $120.6M |
| Holyoke Branch | Holyoke , CO | 80734 | $84.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 1992 | Structure Change | Acquired Security National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CO, rank 74 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 Pioneer National Bank
What are First Pioneer National Bank's total assets?
As of the Q2 2026 filing, First Pioneer National Bank reported total assets of $243.4 million in its FFIEC call report.
Where is First Pioneer National Bank headquartered?
It is headquartered in Wray, CO, United States.
When was First Pioneer National Bank founded?
It was established in 1902, per the FDIC institution directory.
Is First Pioneer National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Pioneer National Bank?
First Pioneer National Bank's primary federal regulator is the OCC.
How many branches does First Pioneer National Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Pioneer National Bank's Texas Ratio?
Its Texas Ratio is 11.77% 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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