First Pioneer National Bank: how it compares with its peers
Against 33 CO banks with half to twice its assets, First Pioneer National Bank's strongest measure in Q2 2026 is efficiency ratio (58.40% vs. a 67.83% peer median). Its weakest relative measure is net interest margin (3.19% vs. 4.13%).
| Measure | First Pioneer National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 1.13% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.19% | 4.13% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.40% | 67.83% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $7.3M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.81% | 86.51% | Context |
What it means for lending operations
Its efficiency ratio of 58.40% is better than the 67.83% 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
- The First National Bank in Trinidad Trinidad, CO · $251M
- Home Loan State Bank Grand Junction, CO · $235M
- The Gunnison Bank and Trust Company Gunnison, CO · $255M
- The Citizens State Bank of Ouray Ouray, CO · $231M
- North Valley Bank Thornton, CO · $269M
- First American State Bank Greenwood Village, CO · $277M
Questions about First Pioneer National Bank
How big is First Pioneer National Bank?
First Pioneer National Bank, established in 1902, is headquartered in Wray, CO. It reported $243M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First Pioneer National Bank's return on assets?
1.08% annualized in Q2 2026, against a 1.13% median for 33 CO banks with half to twice its assets, ahead of 45% of them.
What is First Pioneer National Bank's efficiency ratio?
58.40% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 67.83%, and lower is better.
Is First Pioneer National Bank growing its loans?
Net loans grew 3.6% over the year to Q2 2026, while deposits grew 2.6%.
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.