TellerScore

Headquartered in Cortez, Colorado, First National Bank, Cortez is a national bank with $156.9M in total assets and $137.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1958.

First National Bank, Cortez has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 60th. Funding & liquidity contributes the most (83/100, 74% loans-to-deposits, 18% uninsured); loan quality contributes the least (36/100, 1.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.98%
Loan quality36/100
Noncurrent loans ÷ total loans: 1.92%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 73.6% · 18.1% uninsured
Problem-loan coverage75/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.48%

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 fell 18 points (71 → 53), mostly because the loan quality component weakened by 45 points.

TellerScore
486173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202470
Q1 202571
Q2 202571
Q3 202572
Q4 202573
Q1 202648
Q2 202653
Tier 1 leverage ratio
5.00%7.82%10.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.14%
Q3 202410.34%
Q4 202410.64%
Q1 202510.43%
Q2 202510.19%
Q3 202510.12%
Q4 202510.55%
Q1 20269.89%
Q2 20269.98%
Noncurrent loans
0.55%1.26%1.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.68%
Q3 20240.65%
Q4 20240.62%
Q1 20250.61%
Q2 20250.58%
Q3 20250.57%
Q4 20250.55%
Q1 20261.97%
Q2 20261.92%
Return on assets
0.06%0.63%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20241.00%
Q4 20240.97%
Q1 20251.09%
Q2 20251.15%
Q3 20251.20%
Q4 20251.18%
Q1 20260.06%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$156.9M9.98%1.92%0.60%73.6%
Q1 202648$156.0M9.89%1.97%0.06%71.9%
Q4 202573$152.3M10.55%0.55%1.18%73.1%
Q3 202572$153.7M10.12%0.57%1.20%71.2%
Q2 202571$152.5M10.19%0.58%1.15%71.6%
Q1 202571$143.0M10.43%0.61%1.09%73.7%
Q4 202470$141.3M10.64%0.62%0.97%74.8%
Q3 202469$145.5M10.34%0.65%1.00%73.3%
Q2 202468$140.9M10.14%0.68%1.02%74.7%

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 ratio9.98%
31st
Total risk-based capital16.25%
74th
Problem loans1.92%
13th
Net charge-offs1.10%
2nd
Return on assets0.60%
15th
Net interest margin3.88%
47th
Efficiency ratio62.0%
51st
Loans to deposits73.6%
63rd
Uninsured deposits18.1%
71st
Loan-loss reserves1.27%
59th
Texas ratio12.5%
13th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Del Norte BankBank Del Norte, CO74 out of 100, Strong$155.3M10.7%0.04%vs
Fowler State BankBank Fowler, CO60 out of 100, Moderate$154.5M13.2%3.46%vs
Park State Bank & TrustBank Woodland Park, CO77 out of 100, Strong$162.3M11.3%0.05%vs
Equitable Savings and Loan AssociationBank Sterling, CO75 out of 100, Strong$168.3M15.7%0.22%vs
Bank of Estes ParkBank Estes Park, CO76 out of 100, Strong$171.9M10.8%0.00%vs
Evergreen National BankBank Evergreen, CO84 out of 100, Strong$139.9M13.5%0.09%vs

Deposit insurance

Is my money safe at First National Bank, Cortez?

Yes. First National Bank, Cortez is an FDIC-insured institution (FDIC certificate #17872). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.1% of deposits ($24.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.98%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.25% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First National Bank, Cortez lists 1 office in 1 city. Most locations:

  • Cortez, CO (1)

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank, Cortez
Type
National bank
FDIC certificate #
17872
RSSD ID
968155
Primary regulator
OCC
Established
May 31, 1958
Headquarters
2258 E Main St, Cortez, CO 81321
Employees
18

Quick answers

First National Bank, Cortez: common questions

Is First National Bank, Cortez FDIC insured?

Yes. First National Bank, Cortez is an FDIC-insured institution (FDIC certificate #17872). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank, Cortez's TellerScore?

53 out of 100 (Below average), 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, Cortez ever failed?

There is no failure record for FDIC certificate #17872 in the FDIC failed bank list.

How many branches does First National Bank, Cortez have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cortez

InstitutionScoreAssetsCapitalProblem loansCompare
First Southwest BankBank Durango, CO86 out of 100, Very strong$657.5M15.3%0.04%vs
The Dolores State BankBank Dolores, CO84 out of 100, Strong$456.3M15.6%1.02%vs
Four Corners Community BankBank Farmington, NM75 out of 100, Strong$662.3M9.6%0.35%vs
Zions Bancorporation, N.A.Bank Salt Lake City, UT67 out of 100, Moderate$89.0B9.4%0.47%vs