BlastPoint's Banking Scorecard
The First National Bank in Trinidad
Trinidad, CO
5 branches across CO · NM
The First National Bank in Trinidad faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 6.5% in tier
- - Capital Thin: Bottom 19.4% in tier
- - Deposit Outflow: Bottom 40.3% in tier
- - Efficiency Drag: Bottom 41.3% in tier
- - ROA 0.83% below tier average
- - Net Interest Margin 0.24% below tier average
- - Delinquency Rate 0.05% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$256.0M
-0.1% YoY
-1.1% QoQ
|
-$130.1M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$137.6M
+0.1% YoY
-2.5% QoQ
|
-$118.1M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
32% |
| Total Deposits ? |
$240.7M
-1.6% YoY
-1.0% QoQ
|
-$87.3M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
0.44%
+4.4% YoY
-34.8% QoQ
|
-0.83% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.8% in tier |
| Net Interest Margin ? |
3.69%
+4.0% YoY
-0.0% QoQ
|
-0.24% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
86.91%
+0.4% YoY
+8.3% QoQ
|
+21.62% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.7% in tier |
| Delinquency Rate ? |
0.94%
+72.7% YoY
+19.3% QoQ
|
+0.05% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
57.15%
+1.7% YoY
-1.5% QoQ
|
-19.48% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
27.12%
-3.9% YoY
-4.8% QoQ
|
+5.10% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.50%
+73.1% YoY
+17.7% QoQ
|
-0.13% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
10.68%
+2.5% YoY
+1.4% QoQ
|
-5.15% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.08%
+8.2% YoY
-76.9% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
38% |
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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 (0)
Concerns (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.