First Pioneer National Bank
First Pioneer National Bank is an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $253M in assets, including $134M in loans. Profitability tracks the broader industry — ROA 0.99%, ROE 8.46%, NIM 3.11%. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.44% exceeds the 9% CBLR threshold. Credit conditions bear watching: 2.71% NPL ratio with a 11.95% Texas Ratio (elevated but below the 100% concern level). 2 branches make up the footprint.
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
- Fed District
- 13
- Established
- July 1, 1902
- Branches
- 2 domestic
- Employees (FTE)
- 27
- FDIC Cert
- 3063
- Fed RSSD
- 357553
- Website
- www.fpnb.bank →
- Parent Holding Company
- FIRST PIONEER BANK CORP. (RSSD 1062528)
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First Pioneer National Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about First Pioneer National Bank
What are First Pioneer National Bank's total assets?
As of the Q1 2026 filing, First Pioneer National Bank reported total assets of $252.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Pioneer National Bank headquartered?
First Pioneer National Bank is headquartered in WRAY, CO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Pioneer National Bank founded?
First Pioneer National Bank was established in 1902, per the FDIC institution directory.
Is First Pioneer National Bank FDIC-insured?
Yes. First Pioneer National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First Pioneer National Bank operate?
First Pioneer National Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Pioneer National Bank's Texas Ratio?
First Pioneer National Bank's Texas Ratio is 11.95% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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