First Pioneer National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Wray, CO, First Pioneer National Bank serves its local market as an FDIC-insured commercial bank. First Pioneer National's Q2 2026 balance sheet shows $243M in assets funded primarily by $205M in customer deposits. Earnings are mid-range, 1.15% ROA and a 3.29% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.53% exceeds the CBLR threshold. Asset quality merits closer attention with NPLs at 2.79%. It operates 2 branches, primarily in Colorado.
As of June 30, 2026, First Pioneer National Bank reported a Tier 1 leverage ratio of 12.53%, a return on assets of 1.15%, a nonperforming-loan ratio of 2.79%, a Texas ratio of 11.77%, per financial data filed with the FFIEC.
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
- Offices
- 2 domestic
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Pioneer National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Pioneer National Bank, freeFirst Pioneer National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| 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% | 2.94% | 13.33% | 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
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| 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
What the public regulatory sources show for First Pioneer National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in CO, rank 74 of 124 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. 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 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?
First Pioneer National Bank's Texas Ratio is 11.77% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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