First Pioneer National Bank: 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 2.69 percentage points higher than in Q1 2026, at 5.80%. Within Colorado, First Pioneer National Bank is 49th of 63 on loan-to-deposit ratio, 63.49% as of Q2 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 Pioneer National Bank sits 17.45 points lower, at 63.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $130.5M |
| Net loans and leases | $129.1M |
| Loans held for sale | $0 |
| Loans to total assets | 53.60% |
| Loan-to-deposit ratio | 63.49% |
| Net loans to equity capital | 4.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.14% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.34% |
| Consumer | 5.48% |
| Credit cards | 0.00% |
| Farm | 38.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.80% |
| Construction concentration (Tier 1 capital + allowance) | 5.80% |
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 | 6.53% |
| Interest income on loans | $2.1M |
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 | $108.9M | $193.6M | 5.98% | 5.90% | 7.31% |
| Q4 2023 | $115.0M | $198.1M | 6.60% | 5.32% | 6.87% |
| Q1 2024 | $112.0M | $197.7M | 6.97% | 5.18% | 6.97% |
| Q2 2024 | $117.8M | $199.0M | 7.11% | 4.95% | 6.68% |
| Q3 2024 | $121.3M | $189.4M | 6.70% | 5.03% | 6.65% |
| Q4 2024 | $128.7M | $200.0M | 6.25% | 5.00% | 6.10% |
| Q1 2025 | $125.6M | $202.0M | 6.46% | 5.37% | 6.09% |
| Q2 2025 | $126.0M | $200.3M | 6.70% | 5.00% | 6.19% |
| Q3 2025 | $129.1M | $192.2M | 5.97% | 4.34% | 6.00% |
| Q4 2025 | $137.4M | $210.6M | 5.97% | 3.95% | 5.74% |
| Q1 2026 | $134.4M | $212.9M | 6.20% | 4.21% | 5.49% |
| Q2 2026 | $130.5M | $205.5M | 6.14% | 4.34% | 5.48% |
First Pioneer National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Pioneer National Bank, 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 Pioneer National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3063) · FFIEC NIC profile (RSSD 357553)