TellerScore

First American State Bank (FDIC certificate #34040) is based in Greenwood Village, Colorado. Its Q2 2026 call report shows $276.9M in total assets and $207.1M in deposits and 1 office.

First American State Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 52nd. Problem-loan coverage contributes the most (96/100, 1.8%); earnings contributes the least (38/100, 0.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.67%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.24%
Earnings38/100
Return on assets (annualized): 0.44%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 93.1% · 27.6% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (56 → 62), mostly because the funding & liquidity component improved by 19 points.

TellerScore
565962Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202459
Q4 202456
Q1 202557
Q2 202556
Q3 202558
Q4 202559
Q1 202660
Q2 202662
Tier 1 leverage ratio
5.00%7.34%9.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.11%
Q3 20249.14%
Q4 20248.79%
Q1 20258.38%
Q2 20258.92%
Q3 20258.98%
Q4 20259.02%
Q1 20269.37%
Q2 20269.67%
Noncurrent loans
0.00%0.16%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.30%
Q3 20250.30%
Q4 20250.32%
Q1 20260.32%
Q2 20260.24%
Return on assets
0.08%0.29%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.26%
Q4 20240.08%
Q1 20250.25%
Q2 20250.41%
Q3 20250.45%
Q4 20250.51%
Q1 20260.42%
Q2 20260.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$276.9M9.67%0.24%0.44%93.1%
Q1 202660$281.8M9.37%0.32%0.42%98.3%
Q4 202559$288.2M9.02%0.32%0.51%98.4%
Q3 202558$298.2M8.98%0.30%0.45%97.7%
Q2 202556$292.4M8.92%0.30%0.41%106.2%
Q1 202557$296.1M8.38%0.00%0.25%103.1%
Q4 202456$293.7M8.79%0.00%0.08%108.9%
Q3 202459$292.3M9.14%0.00%0.26%107.8%
Q2 202459$287.6M9.11%0.00%0.23%105.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.67%
25th
Total risk-based capital16.33%
75th
Problem loans0.24%
61st
Net charge-offs0.00%
55th
Return on assets0.44%
11th
Net interest margin2.89%
8th
Efficiency ratio80.9%
13th
Loans to deposits93.1%
20th
Uninsured deposits27.6%
36th
Loan-loss reserves0.97%
23rd
Texas ratio1.8%
60th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
North Valley BankBank Thornton, CO80 out of 100, Strong$268.6M13.5%0.53%vs
Farmers BankBank Ault, CO51 out of 100, Below average$297.3M13.0%6.35%vs
Redstone BankBank Centennial, CO75 out of 100, Strong$298.2M12.0%0.00%vs
The Gunnison Bank and Trust CompanyBank Gunnison, CO90 out of 100, Very strong$255.4M13.9%0.05%vs
The First National Bank in TrinidadBank Trinidad, CO64 out of 100, Moderate$250.5M10.9%0.95%vs
First Pioneer National BankBank Wray, CO56 out of 100, Moderate$243.4M12.5%2.79%vs

Deposit insurance

Is my money safe at First American State Bank?

Yes. First American State Bank is an FDIC-insured institution (FDIC certificate #34040). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.6% of deposits ($57.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.67%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.33% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First American State Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First American State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
34040
RSSD ID
2317672
Primary regulator
FED
Holding company
First American Bcorp
Established
July 10, 1995
Headquarters
8390 E Crescent Pkwy, Greenwood Village, CO 80111
Employees
21

Quick answers

First American State Bank: common questions

Is First American State Bank FDIC insured?

Yes. First American State Bank is an FDIC-insured institution (FDIC certificate #34040). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First American State Bank's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First American State Bank ever failed?

There is no failure record for FDIC certificate #34040 in the FDIC failed bank list.

How many branches does First American State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Greenwood Village

InstitutionScoreAssetsCapitalProblem loansCompare
AMG National Trust BankBank Boulder, CO94 out of 100, Very strong$722.9M15.4%0.04%vs
Star Tech Federal Credit UnionCredit union Greenwood Villa, CO91 out of 100, Very strong$11.1M22.2%0.38%vs
Denver Fire Department Federal Credit UnionCredit union Denver, CO89 out of 100, Very strong$213.5M14.2%0.09%vs
5Star BankBank Colorado Springs, CO87 out of 100, Very strong$378.2M17.2%0.16%vs
Transact Bank, National AssociationBank Denver, CO86 out of 100, Very strong$6.5M16.3%0.00%vs
Affidian Federal Credit UnionCredit union Denver, CO85 out of 100, Very strong$360.1M18.9%0.85%vs