The First National Bank in Trinidad: how it compares with its peers
Against 33 CO banks with half to twice its assets, The First National Bank in Trinidad's strongest measure in Q2 2026 is net interest margin (3.72% vs. a 4.13% peer median). Its weakest relative measure is efficiency ratio (84.86% vs. 67.69%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.52% | 1.13% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.72% | 4.13% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.86% | 67.69% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $7.8M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.16% | 86.51% | Context |
What it means for lending operations
Its efficiency ratio of 84.86% is above the 67.69% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Gunnison Bank and Trust Company Gunnison, CO · $255M
- First Pioneer National Bank Wray, CO · $243M
- Home Loan State Bank Grand Junction, CO · $235M
- North Valley Bank Thornton, CO · $269M
- The Citizens State Bank of Ouray Ouray, CO · $231M
- First American State Bank Greenwood Village, CO · $277M
Questions about The First National Bank in Trinidad
How big is The First National Bank in Trinidad?
The First National Bank in Trinidad, established in 1875, is headquartered in Trinidad, CO. It reported $251M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The First National Bank in Trinidad's return on assets?
0.52% annualized in Q2 2026, against a 1.13% median for 33 CO banks with half to twice its assets, ahead of 9% of them.
What is The First National Bank in Trinidad's efficiency ratio?
84.86% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 67.69%, and lower is better.
Is The First National Bank in Trinidad growing its loans?
Net loans shrank 3.8% over the year to Q2 2026, while deposits shrank 7.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.