First Pioneer National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 2.73 percentage points higher than in Q1 2026, at 38.02%. Within Colorado, First Pioneer National Bank is 31st of 63 on return on assets, 1.15% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Pioneer National Bank sits 0.10 points lower, at 1.15% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.53% |
| Equity capital to assets | 12.14% |
| Tangible equity to tangible assets | 12.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.79% |
| Non-performing assets ratio | 1.50% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 11.77% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 38.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 9.87% |
| Net interest margin | 3.29% |
| Efficiency ratio | 54.64% |
| Yield on earning assets | 4.93% |
| Cost of funds | 1.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.49% |
| Core deposits to total deposits | 83.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.41% |
| Securities to assets | 38.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.42% | 0.65% | 2.33% | 3.36% | 0.06% |
| Q4 2023 | 12.05% | 0.42% | 2.17% | 3.18% | 0.02% |
| Q1 2024 | 12.25% | 0.41% | 2.09% | 3.27% | -0.01% |
| Q2 2024 | 12.26% | 0.87% | 2.70% | 3.09% | 0.07% |
| Q3 2024 | 12.10% | 0.58% | 2.32% | 3.00% | -0.00% |
| Q4 2024 | 12.24% | 0.61% | 2.57% | 2.83% | -0.02% |
| Q1 2025 | 12.38% | 0.72% | 2.65% | 2.94% | 0.00% |
| Q2 2025 | 12.53% | 0.74% | 2.73% | 2.89% | 0.01% |
| Q3 2025 | 12.66% | 0.84% | 2.83% | 2.82% | 0.01% |
| Q4 2025 | 12.68% | 0.77% | 2.90% | 2.71% | 0.02% |
| Q1 2026 | 12.44% | 0.99% | 3.11% | 2.71% | 0.22% |
| Q2 2026 | 12.53% | 1.15% | 3.29% | 2.79% | -0.00% |
First Pioneer National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Pioneer National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)