BlastPoint's Banking Scorecard

The First National Bank in Trinidad

$100M-$1B Specialty: Other CO FDIC cert 14584

Trinidad, CO

5 branches across CO · NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
Deposits -7.9% year over year ($234.3M on the books).
Delinquency rate 0.97%.
Return on assets 0.52%.
Efficiency ratio 84.86% vs a 64.48% peer average.
Loan-to-deposit ratio 59.16% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO

View $100M-$1B leaderboard (CO) →

The First National Bank in Trinidad faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 5.9% in tier
- Deposit Outflow: Bottom 13.5% in tier
- Efficiency Drag: Bottom 24.7% in tier
- ROA 0.80% below tier average
- Net Interest Margin 0.27% below tier average
- Delinquency Rate 0.05% above tier average

Get updates when The First National Bank in Trinidad releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$250.5M -5.4% YoY -2.1% QoQ	-$136.1M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	37%
Total Loans ?	$138.6M -3.8% YoY +0.8% QoQ	-$119.7M	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	31%
Total Deposits ?	$234.3M -7.9% YoY -2.7% QoQ	-$92.4M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	42%
Return on Assets ?	0.52% -16.6% YoY +18.9% QoQ	-0.80%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	Bottom 12.9% in tier
Net Interest Margin ?	3.72% +2.5% YoY +0.7% QoQ	-0.27%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	38%
Efficiency Ratio ?	84.86% +4.5% YoY -2.4% QoQ	+20.38%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	Bottom 9.0% in tier
Delinquency Rate ?	0.97% -19.5% YoY +3.3% QoQ	+0.05%	0.92% +15.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	29%
Loan-to-Deposit Ratio ?	59.16% +4.5% YoY +3.5% QoQ	-18.79%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	84%
Non-Interest-Bearing Deposit Share ?	26.13% -1.8% YoY -3.6% QoQ	+4.10%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	70%
Nonperforming Asset Ratio ?	0.54% -18.1% YoY +6.4% QoQ	-0.13%	0.67% +16.4% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	38%
Tier 1 Capital Ratio ?	10.89% +4.4% YoY +2.0% QoQ	-5.02%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.17% +6.9% YoY +115.0% QoQ	-0.40%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	40%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Noninterest-Bearing	26.1% -0.5pp YoY -1.0pp QoQ	+4.0pp	22.1%	23.5%	22.2%	70%
Brokered Deposits	n/a	n/a	7.9%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	2.4% +0.3pp YoY 0.0pp QoQ	-9.2pp	11.6%	8.4%	12.5%	8%
CRE	16.4% -1.9pp YoY -0.6pp QoQ	-23.2pp	39.5%	42.8%	41.4%	12%
1-4 Family	75.7% +5.4pp YoY +0.5pp QoQ	+43.1pp	32.6%	33.0%	31.3%	96%
Consumer	1.4% +0.3pp YoY 0.0pp QoQ	-2.7pp	4.1%	3.9%	5.0%	37%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	24.9%	19.7%	n/a
Leverage Ratio	10.9% +0.5pp YoY +0.2pp QoQ	-1.3pp	12.2%	12.5%	12.6%	48%
Total Capital Ratio	n/a	n/a	19.9%	26.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	64 0 YoY 0 QoQ	+5	58	107	482	66%
Assets per Employee ($)	$3.9M -5.4% YoY -2.1% QoQ	-$3.6M	$7.5M	$7.8M	$8.8M	4%
Branch Count	5 0 YoY 0 QoQ	0	4	7	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.7%	0.4%	n/a
Nonaccrual	1.0% -0.2pp YoY 0.0pp QoQ	0.0pp	0.9%	0.8%	1.0%	71%
Allowance Coverage	1.61x +36.6% YoY -2.6% QoQ	-22.54x	24.15x	12.16x	20.23x	41%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	8.6% -6.5pp YoY +1.2pp QoQ	-3.6pp	12.2%	9.7%	11.6%	28%
Cost of Funds (YTD)	0.8% 0.0pp YoY 0.0pp QoQ	-0.9pp	1.7%	1.7%	1.7%	5%
Net Income ($, YTD)	$669,000 -17.7% YoY — QoQ	-$1.9M	$2.6M	$5.4M	$40.4M	15%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk

#40 of 661 • Bottom 5.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.89%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Deposit Outflow

decline

#73 of 535 • Bottom 13.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#90 of 361 • Bottom 24.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.86%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

432

Loan-to-Deposit Ratio

liquidity

Value: 59.16%

Peer Median: 77.95%

#432 of 2643 Top 16.3% in $100M-$1B

Top Weaknesses (3 metrics)

2406

Efficiency Ratio

profitability

Value: 84.86%

Peer Median: 64.48%

#2406 of 2643 Bottom 9.0% in $100M-$1B

2304

Return on Assets

profitability

Value: 0.52%

Peer Median: 1.32%

#2304 of 2643 Bottom 12.9% in $100M-$1B

2068

Tier 1 Capital Ratio

capital

Value: 10.89%

Peer Median: 15.91%

#2068 of 2643 Bottom 21.8% in $100M-$1B