First American State Bank: how it compares with its peers
Against 32 CO banks with half to twice its assets, First American State Bank's strongest measure in Q2 2026 is assets per employee ($13.2M vs. a $7.5M peer median). Its weakest relative measure is net interest margin (2.89% vs. 4.20%).
| Measure | First American State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.44% | 1.11% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.89% | 4.20% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.88% | 67.76% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.2M | $7.5M | Top third Ahead of 97% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.09% | 84.24% | Context |
What it means for lending operations
Its efficiency ratio of 80.88% is above the 67.76% 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
- North Valley Bank Thornton, CO · $269M
- Farmers Bank Ault, CO · $297M
- Redstone Bank Centennial, CO · $298M
- The Gunnison Bank and Trust Company Gunnison, CO · $255M
- The First National Bank in Trinidad Trinidad, CO · $251M
- First Pioneer National Bank Wray, CO · $243M
Questions about First American State Bank
How big is First American State Bank?
First American State Bank, established in 1995, is headquartered in Greenwood Village, CO. It reported $277M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First American State Bank's return on assets?
0.44% annualized in Q2 2026, against a 1.11% median for 32 CO banks with half to twice its assets, ahead of 6% of them.
What is First American State Bank's efficiency ratio?
80.88% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 67.76%, and lower is better.
Is First American State Bank growing its loans?
Net loans shrank 9.4% over the year to Q2 2026, while deposits grew 3.4%.
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.