Advertisement
First National Bank, Cortez
Cortez, CO · FDIC Certificate #17872 · Chartered 05/3
Total assets
$156.90M
Total deposits
$137.25M
Total equity
$14.43M
Net loans
$101.00M
Branches (offices)
1
Net income (YTD)
$469.00K
Rank: #3,256 of 4,213 U.S. banks by assets · #49 of 63 in Colorado. Assets changed 2.9% and deposits 3.9% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.60% |
| Return on equity | 6.49% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 9.20% |
| Tier 1 leverage ratio | 9.98% |
| Uninsured deposits (share of deposits) | 18.1% |
| Noncurrent loans (share of loans) | 1.92% |
| Net charge-offs (share of loans) | 1.10% |
| Loans to deposits | 73.6% |
| Real estate loans (share of loans) | 82.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $83.18M | 82.4% | |
| Commercial & industrial | $6.72M | 6.6% | |
| Consumer / individual | $2.81M | 2.8% | |
| Construction & development | $4.87M | 4.8% | |
| Agricultural | $8.71M | 8.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $137.50M | $120.24M | -$137.00K | $10.71M |
| Jun 2023 | $131.60M | $115.57M | $730.00K | $11.36M |
| Jun 2024 | $140.91M | $113.57M | $707.00K | $12.40M |
| Jun 2025 | $152.51M | $132.15M | $836.00K | $13.69M |
| Jun 2026 | $156.90M | $137.25M | $469.00K | $14.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $137.25M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $137.25M.
Similar-sized banks
Hiawatha Bank And Trust Company ($156.92M) · Philo Exchange Bank ($156.57M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement