Side-by-side · Q2 2026 data
First National Bank Colorado vs McClave State Bank
Metric by metric
| Measure | First National Bank Colorado | McClave State Bank |
|---|---|---|
| TellerScore | 85 | 89 (stronger) |
| Capital cushion | 68 | 90 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 63 (stronger) | 56 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 88th | 87th |
| Total assets | $634.3M | $78.9M |
| Deposits / shares | $532.4M | $65.5M |
| Capital ratio | 11.76% | 14.04% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 2.08% (stronger) | 1.81% |
| Loans ÷ deposits | 77.3% (stronger) | 104.0% |
| Uninsured deposits | 32.6% | 14.7% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | — |
McClave State Bank has the higher TellerScore (89 vs 85). On the 6 directional measures above (where higher or lower is clearly better), First National Bank Colorado leads on 3 and McClave State Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.