TellerScore

Headquartered in Las Animas, Colorado, First National Bank Colorado is a national bank with $634.3M in total assets and $532.4M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1901.

Based on its Q2 2026 filing, First National Bank Colorado scores 85/100, which we describe as very strong. That is higher than 88% of 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 9th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (63/100; 77% loans-to-deposits, 33% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.76%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.08%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 77.3% · 32.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 85).

TellerScore
858686Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202485
Q4 202486
Q1 202585
Q2 202585
Q3 202585
Q4 202585
Q1 202685
Q2 202685
Tier 1 leverage ratio
5.00%8.44%11.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.87%
Q3 202411.82%
Q4 202411.71%
Q1 202511.45%
Q2 202511.60%
Q3 202511.83%
Q4 202511.64%
Q1 202611.69%
Q2 202611.76%
Noncurrent loans
0.00%0.01%0.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.01%
Q4 20240.01%
Q1 20250.03%
Q2 20250.02%
Q3 20250.03%
Q4 20250.03%
Q1 20260.03%
Q2 20260.00%
Return on assets
1.91%2.04%2.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.91%
Q3 20241.96%
Q4 20242.01%
Q1 20251.98%
Q2 20252.09%
Q3 20251.95%
Q4 20252.00%
Q1 20262.17%
Q2 20262.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$634.3M11.76%0.00%2.08%77.3%
Q1 202685$627.0M11.69%0.03%2.17%72.8%
Q4 202585$637.3M11.64%0.03%2.00%67.8%
Q3 202585$611.9M11.83%0.03%1.95%71.5%
Q2 202585$603.4M11.60%0.02%2.09%69.5%
Q1 202585$614.7M11.45%0.03%1.98%68.7%
Q4 202486$606.1M11.71%0.01%2.01%66.8%
Q3 202485$604.6M11.82%0.01%1.96%71.0%
Q2 202486$571.7M11.87%0.00%1.91%69.0%

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 ratio11.76%
62nd
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.01%
48th
Return on assets2.08%
89th
Net interest margin4.38%
74th
Efficiency ratio46.7%
89th
Loans to deposits77.3%
55th
Uninsured deposits32.6%
22nd
Loan-loss reserves1.66%
86th
Texas ratio0.0%
95th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
High Plains BankBank Flagler, CO74 out of 100, Strong$643.1M9.6%0.70%vs
Stockmens BankBank Colorado Springs, CO75 out of 100, Strong$650.8M10.6%0.18%vs
First Southwest BankBank Durango, CO86 out of 100, Very strong$657.5M15.3%0.04%vs
Yampa Valley BankBank Steamboat Springs, CO78 out of 100, Strong$687.6M9.4%0.09%vs
Mountain Valley BankBank Walden, CO69 out of 100, Moderate$556.5M10.5%0.19%vs
The Eastern Colorado BankBank Cheyenne Wells, CO77 out of 100, Strong$720.9M11.3%0.00%vs

Deposit insurance

Is my money safe at First National Bank Colorado?

Yes. First National Bank Colorado is an FDIC-insured institution (FDIC certificate #3034). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.6% of deposits ($173.8M) 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 11.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

First National Bank Colorado lists 7 offices in 7 cities. Most locations:

  • Colorado Springs, CO (1)
  • Fowler, CO (1)
  • La Junta, CO (1)
  • Las Animas, CO (1)
  • Monument, CO (1)
  • Ordway, CO (1)
  • Rocky Ford, CO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank Colorado reported 85 home-loan applications under HMDA (LEI 549300XHAIQYHZG7KY40): 67 originated ($19,575,000 total), 12 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First National Bank Colorado
Former names
The First National Bank of Las Animas
Type
National bank
FDIC certificate #
3034
RSSD ID
513256
Primary regulator
OCC
Holding company
First Bankshares Las Animas
Established
January 1, 1901
Headquarters
535 Bent Ave, Las Animas, CO 81054
Employees
83

Quick answers

First National Bank Colorado: common questions

Is First National Bank Colorado FDIC insured?

Yes. First National Bank Colorado is an FDIC-insured institution (FDIC certificate #3034). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank Colorado's TellerScore?

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

Has First National Bank Colorado ever failed?

There is no failure record for FDIC certificate #3034 in the FDIC failed bank list.

How many branches does First National Bank Colorado have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Las Animas

InstitutionScoreAssetsCapitalProblem loansCompare
McClave State BankBank Mcclave, CO89 out of 100, Very strong$78.9M14.0%0.00%vs
PB&T BankBank Pueblo, CO75 out of 100, Strong$815.2M10.6%0.54%vs
The Colorado Bank and Trust Company of La JuntaBank La Junta, CO69 out of 100, Moderate$330.3M10.3%0.30%vs
Fellowship Credit UnionCredit union Lamar, CO66 out of 100, Moderate$64.6M11.1%0.86%vs
U.S. Bank National AssociationBank Cincinnati, OH55 out of 100, Moderate$705.6B9.5%1.45%vs
Tbk Bank, SSBBank Dallas, TX52 out of 100, Below average$7.4B9.9%1.65%vs