BlastPoint's Banking Scorecard
First National Bank Colorado
Community
Specialty: Agricultural
CO
FDIC cert 3034
Las Animas, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
First National Bank Colorado has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 36% in Community
- + Return on Assets 0.83% above tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2% in Community
- - Credit Risk Growth: Bottom 20% in Community
- - Capital Thin: Bottom 50% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$637.3M
+5.1% YoY
+4.2% QoQ
|
-$754.2M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$366.0M
+5.8% YoY
-0.7% QoQ
|
-$609.5M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$539.7M
+4.2% YoY
+4.7% QoQ
|
-$624.9M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
2.00%
-0.5% YoY
+2.3% QoQ
|
+0.83% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.20%
+2.6% YoY
+0.6% QoQ
|
+0.53% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
47.72%
-2.5% YoY
-0.1% QoQ
|
-14.91% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.03%
+114.8% YoY
+0.7% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
67.81%
+1.6% YoY
-5.2% QoQ
|
-15.26% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
25.89%
-4.9% YoY
+8.4% QoQ
|
+4.84% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.02%
+116.2% YoY
-4.0% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.33%
+2.0% YoY
+28.0% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#135 of 371 · Top 36% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 9%
in Community
Why this stands out
Current:
2.00%
(Tier avg: 1.16%, National avg: 1.12%)
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (3)
Credit Quality Pressure
risk
#16 of 808 · Bottom 2% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#127 of 642 · Bottom 20% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Capital Thin
risk
#215 of 432 · Bottom 50% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.16%
88
88th pctile
Efficiency Ratio
Current: 47.72% · Tier avg: 62.63%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.89% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
19
19th pctile
Total Assets
Current: $637.3M · Tier avg: $1.4B
19
19th pctile
Total Deposits
Current: $539.7M · Tier avg: $1.2B
17
17th pctile
Loan-to-Deposit Ratio
Current: 67.81% · Tier avg: 83.06%
10
10th pctile
Total Loans
Current: $366.0M · Tier avg: $975.5M
Top Weaknesses
10
10th pctile
Total Loans
Current: $366.0M · Tier avg: $975.5M
17
17th pctile
Loan-to-Deposit Ratio
Current: 67.81% · Tier avg: 83.06%
19
19th pctile
Total Deposits
Current: $539.7M · Tier avg: $1.2B
19
19th pctile
Total Assets
Current: $637.3M · Tier avg: $1.4B
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.89% · Tier avg: 21.05%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
88
88th pctile
Efficiency Ratio
Current: 47.72% · Tier avg: 62.63%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.16%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%