Headquartered in Wray, Colorado, First Pioneer National Bank is a national bank with $243.4M in total assets and $205.5M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1902.
Based on its Q2 2026 filing, First Pioneer National Bank scores 56/100, which we describe as moderate. That is higher than only 13% of 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 59th. Its strongest component is funding & liquidity (80/100; 63% loans-to-deposits, 31% uninsured), and its lowest is loan quality (7/100; 2.79%).
TellerScore · Q2 2026
Scorecard
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 3 points (53 → 56), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 50 |
| Q4 2024 | 52 |
| Q1 2025 | 53 |
| Q2 2025 | 53 |
| Q3 2025 | 54 |
| Q4 2025 | 55 |
| Q1 2026 | 56 |
| Q2 2026 | 56 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.26% |
| Q3 2024 | 12.10% |
| Q4 2024 | 12.24% |
| Q1 2025 | 12.38% |
| Q2 2025 | 12.53% |
| Q3 2025 | 12.66% |
| Q4 2025 | 12.68% |
| Q1 2026 | 12.44% |
| Q2 2026 | 12.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.09% |
| Q3 2024 | 3.00% |
| Q4 2024 | 2.83% |
| Q1 2025 | 2.90% |
| Q2 2025 | 2.89% |
| Q3 2025 | 2.82% |
| Q4 2025 | 2.71% |
| Q1 2026 | 2.71% |
| Q2 2026 | 2.79% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.72% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.98% |
| Q2 2026 | 1.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $243.4M | 12.53% | 2.79% | 1.08% | 62.8% |
| Q1 2026 | 56 | $252.6M | 12.44% | 2.71% | 0.98% | 62.5% |
| Q4 2025 | 55 | $249.3M | 12.68% | 2.71% | 0.76% | 64.5% |
| Q3 2025 | 54 | $240.3M | 12.66% | 2.82% | 0.77% | 66.4% |
| Q2 2025 | 53 | $237.7M | 12.53% | 2.89% | 0.73% | 62.2% |
| Q1 2025 | 53 | $238.2M | 12.38% | 2.90% | 0.72% | 61.4% |
| Q4 2024 | 52 | $241.9M | 12.24% | 2.83% | 0.61% | 63.6% |
| Q3 2024 | 50 | $240.1M | 12.10% | 3.00% | 0.61% | 63.3% |
| Q2 2024 | 51 | $242.4M | 12.26% | 3.09% | 0.63% | 58.4% |
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).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank in TrinidadBank Trinidad, CO | 64 out of 100, Moderate | $250.5M | 10.9% | 0.95% | vs |
| Home Loan State BankBank Grand Junction, CO | 68 out of 100, Moderate | $235.3M | 7.9% | 0.00% | vs |
| The Gunnison Bank and Trust CompanyBank Gunnison, CO | 90 out of 100, Very strong | $255.4M | 13.9% | 0.05% | vs |
| The Citizens State Bank of OurayBank Ouray, CO | 67 out of 100, Moderate | $231.2M | 8.4% | 0.00% | vs |
| North Valley BankBank Thornton, CO | 80 out of 100, Strong | $268.6M | 13.5% | 0.53% | vs |
| First American State BankBank Greenwood Village, CO | 62 out of 100, Moderate | $276.9M | 9.7% | 0.24% | vs |
Deposit insurance
Is my money safe at First Pioneer National Bank?
Yes. First Pioneer National Bank is an FDIC-insured institution (FDIC certificate #3063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.8% of deposits ($63.2M) 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 12.53%, 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%).
2 locations
Branches
First Pioneer National Bank lists 2 offices in 2 cities. Most locations:
- Holyoke, CO (1)
- Wray, CO (1)
Identity & history
Profile
- Legal name
- First Pioneer National Bank
- Former names
- The First National Bank of Wray
- Type
- National bank
- FDIC certificate #
- 3063
- RSSD ID
- 357553
- Primary regulator
- OCC
- Holding company
- First Pioneer Bank Corp
- Established
- July 1, 1902
- Headquarters
- 145 W 4th St, Wray, CO 80758
- Website
- www.fpnb.bank
- Employees
- 29
Quick answers
First Pioneer National Bank: common questions
Is First Pioneer National Bank FDIC insured?
Yes. First Pioneer National Bank is an FDIC-insured institution (FDIC certificate #3063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Pioneer National Bank's TellerScore?
56 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 Pioneer National Bank ever failed?
There is no failure record for FDIC certificate #3063 in the FDIC failed bank list.
How many branches does First Pioneer National Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wray
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Yuma County Federal Credit UnionCredit union Yuma, CO | 85 out of 100, Very strong | $53.0M | 12.9% | 0.00% | vs |
| Equitable Savings and Loan AssociationBank Sterling, CO | 75 out of 100, Strong | $168.3M | 15.7% | 0.22% | vs |
| Bank of ColoradoBank Fort Collins, CO | 74 out of 100, Strong | $7.6B | 10.5% | 0.10% | vs |
| Wray State BankBank Wray, CO | 61 out of 100, Moderate | $312.0M | 9.9% | 1.50% | vs |