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The First National Bank In Trinidad
Trinidad, CO · FDIC Certificate #14584 · Chartered 04/1
Total assets
$250.52M
Total deposits
$234.30M
Total equity
$16.12M
Net loans
$138.62M
Branches (offices)
4
Net income (YTD)
$669.00K
Rank: #2,711 of 4,213 U.S. banks by assets · #40 of 63 in Colorado. Assets changed -5.4% and deposits -7.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.52% |
| Return on equity | 8.56% |
| Net interest margin (YTD) | 3.72% |
| Equity to assets | 6.44% |
| Tier 1 leverage ratio | 10.89% |
| Uninsured deposits (share of deposits) | 30.2% |
| Noncurrent loans (share of loans) | 0.95% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 59.2% |
| Real estate loans (share of loans) | 96.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $134.27M | 96.9% | |
| Commercial & industrial | $3.30M | 2.4% | |
| Consumer / individual | $1.94M | 1.4% | |
| Construction & development | $6.62M | 4.8% | |
| Agricultural | $1.26M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $268.56M | $260.71M | $415.00K | $7.67M |
| Jun 2023 | $274.63M | $245.60M | $1.04M | $8.89M |
| Jun 2024 | $253.45M | $232.35M | -$1.56M | $10.91M |
| Jun 2025 | $264.76M | $254.41M | $813.00K | $10.24M |
| Jun 2026 | $250.52M | $234.30M | $669.00K | $16.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $234.30M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $234.30M.
Similar-sized banks
Denver Savings Bank ($250.58M) · Citizens Bank ($250.35M)
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.
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