The First National Bank in Trinidad (FDIC certificate #14584) is based in Trinidad, Colorado. Its Q2 2026 call report shows $250.5M in total assets and $234.3M in deposits and 5 offices.
Based on its Q2 2026 filing, The First National Bank in Trinidad scores 64/100, which we describe as moderate. That is higher than only 26% of 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 48th. Its strongest component is problem-loan coverage (85/100; 7.3%), and its lowest is earnings (41/100; 0.52%).
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 5 points (59 → 64), mostly because the problem-loan coverage component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 54 |
| Q4 2024 | 61 |
| Q1 2025 | 65 |
| Q2 2025 | 59 |
| Q3 2025 | 64 |
| Q4 2025 | 66 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.10% |
| Q3 2024 | 10.24% |
| Q4 2024 | 10.41% |
| Q1 2025 | 10.42% |
| Q2 2025 | 10.43% |
| Q3 2025 | 10.50% |
| Q4 2025 | 10.53% |
| Q1 2026 | 10.68% |
| Q2 2026 | 10.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.54% |
| Q2 2025 | 1.19% |
| Q3 2025 | 0.90% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.92% |
| Q2 2026 | 0.95% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.15% |
| Q3 2024 | -0.62% |
| Q4 2024 | -0.24% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.63% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $250.5M | 10.89% | 0.95% | 0.52% | 59.2% |
| Q1 2026 | 63 | $256.0M | 10.68% | 0.92% | 0.44% | 57.2% |
| Q4 2025 | 66 | $259.0M | 10.53% | 0.77% | 0.68% | 58.1% |
| Q3 2025 | 64 | $258.2M | 10.50% | 0.90% | 0.68% | 59.4% |
| Q2 2025 | 59 | $264.8M | 10.43% | 1.19% | 0.63% | 56.6% |
| Q1 2025 | 65 | $256.2M | 10.42% | 0.54% | 0.42% | 56.2% |
| Q4 2024 | 61 | $254.8M | 10.41% | 0.49% | -0.24% | 58.1% |
| Q3 2024 | 54 | $255.9M | 10.24% | 0.89% | -0.62% | 58.2% |
| Q2 2024 | 57 | $253.4M | 10.10% | 0.64% | -1.15% | 57.8% |
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 Gunnison Bank and Trust CompanyBank Gunnison, CO | 90 out of 100, Very strong | $255.4M | 13.9% | 0.05% | vs |
| First Pioneer National BankBank Wray, CO | 56 out of 100, Moderate | $243.4M | 12.5% | 2.79% | vs |
| Home Loan State BankBank Grand Junction, CO | 68 out of 100, Moderate | $235.3M | 7.9% | 0.00% | vs |
| North Valley BankBank Thornton, CO | 80 out of 100, Strong | $268.6M | 13.5% | 0.53% | vs |
| The Citizens State Bank of OurayBank Ouray, CO | 67 out of 100, Moderate | $231.2M | 8.4% | 0.00% | 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 The First National Bank in Trinidad?
Yes. The First National Bank in Trinidad is an FDIC-insured institution (FDIC certificate #14584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.2% of deposits ($70.8M) 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 10.89%, 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%).
5 locations
Branches
The First National Bank in Trinidad lists 3 offices in 2 cities. Most locations:
- Trinidad, CO (2)
- Walsenburg, CO (1)
Identity & history
Profile
- Legal name
- The First National Bank in Trinidad
- Type
- National bank
- FDIC certificate #
- 14584
- RSSD ID
- 474058
- Primary regulator
- OCC
- Holding company
- Republic Trinidad Corp
- Established
- April 16, 1875
- Headquarters
- 100 E Main St, Trinidad, CO 81082
- Website
- www.fnbtrinidad.com
- Employees
- 64
Quick answers
The First National Bank in Trinidad: common questions
Is The First National Bank in Trinidad FDIC insured?
Yes. The First National Bank in Trinidad is an FDIC-insured institution (FDIC certificate #14584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank in Trinidad's TellerScore?
64 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 The First National Bank in Trinidad ever failed?
There is no failure record for FDIC certificate #14584 in the FDIC failed bank list.
How many branches does The First National Bank in Trinidad have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Trinidad
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 5Star BankBank Colorado Springs, CO | 87 out of 100, Very strong | $378.2M | 17.2% | 0.16% | vs |
| Century Savings and Loan AssociationBank Trinidad, CO | 78 out of 100, Strong | $75.3M | 16.4% | 0.50% | vs |
| UMB Bank, National AssociationBank Kansas City, MO | 65 out of 100, Moderate | $71.9B | 8.9% | 0.34% | vs |
| InBankBank Raton, NM | 62 out of 100, Moderate | $1.4B | 11.5% | 1.31% | vs |
| BMO Bank National AssociationBank Chicago, IL | 58 out of 100, Moderate | $255.0B | 11.3% | 0.92% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |