First National Bank Colorado: how it compares with its peers
Against 24 CO banks with half to twice its assets, First National Bank Colorado's strongest measure in Q2 2026 is efficiency ratio (46.73% vs. a 66.09% peer median). Its weakest relative measure is net interest margin (4.38% vs. 4.44%).
| Measure | First National Bank Colorado | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.08% | 1.37% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.38% | 4.44% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.73% | 66.09% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $7.1M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.34% | 87.36% | Context |
What it means for lending operations
Its efficiency ratio of 46.73% is better than the 66.09% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- High Plains Bank Flagler, CO · $643M
- Stockmens Bank Colorado Springs, CO · $651M
- First Southwest Bank Durango, CO · $657M
- Yampa Valley Bank Steamboat Springs, CO · $688M
- Mountain Valley Bank Walden, CO · $557M
- The Eastern Colorado Bank Cheyenne Wells, CO · $721M
Questions about First National Bank Colorado
How big is First National Bank Colorado?
First National Bank Colorado, established in 1901, is headquartered in Las Animas, CO. It reported $634M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is First National Bank Colorado's return on assets?
2.08% annualized in Q2 2026, against a 1.37% median for 24 CO banks with half to twice its assets, ahead of 71% of them.
What is First National Bank Colorado's efficiency ratio?
46.73% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 66.09%, and lower is better.
Is First National Bank Colorado growing its loans?
Net loans grew 14.9% over the year to Q2 2026, while deposits grew 3.3%.
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.