BlastPoint's Banking Scorecard
First National Bank, Cortez
Cortez, CO
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 +3.9% year over year ($137.2M on the books).
- Delinquency rate 1.94%.
- Return on assets 0.60%.
- Efficiency ratio 61.96% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.59% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank, Cortez has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.52% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Net Interest Margin 0.11% below tier average
- - Delinquency Rate 1.03% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.9M
+2.9% YoY
+0.5% QoQ
|
-$229.7M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$101.0M
+6.8% YoY
+2.6% QoQ
|
-$157.3M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$137.2M
+3.9% YoY
+0.3% QoQ
|
-$189.5M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
0.60%
-47.3% YoY
+832.5% QoQ
|
-0.72% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
15% |
| Net Interest Margin ? |
3.88%
-2.6% YoY
+1.5% QoQ
|
-0.11% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
61.96%
+1.1% YoY
-4.4% QoQ
|
-2.52% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? |
1.94%
+232.3% YoY
-2.8% QoQ
|
+1.03% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.4% in tier |
| Loan-to-Deposit Ratio ? |
73.59%
+2.8% YoY
+2.3% QoQ
|
-4.36% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
22.07%
-17.5% YoY
-1.4% QoQ
|
+0.04% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.25%
+245.0% YoY
-0.7% QoQ
|
+0.58% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
15.00%
+0.2% YoY
+1.3% QoQ
|
-0.90% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.21%
+20.1% YoY
+84.9% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
53% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
22.1%
-4.7pp YoY -0.3pp QoQ |
-0.1pp | 22.1% | 23.5% | 22.2% | 55% |
| 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 |
6.6%
-1.1pp YoY -0.1pp QoQ |
-4.9pp | 11.6% | 8.4% | 12.5% | 30% |
| CRE |
40.4%
-5.3pp YoY -2.7pp QoQ |
+0.9pp | 39.5% | 42.8% | 41.4% | 54% |
| 1-4 Family |
35.4%
+5.2pp YoY +3.5pp QoQ |
+2.8pp | 32.6% | 33.0% | 31.3% | 62% |
| Consumer |
2.8%
-0.9pp YoY -0.3pp QoQ |
-1.3pp | 4.1% | 3.9% | 5.0% | 57% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.0%
0.0pp YoY +0.2pp QoQ |
-3.8pp | 18.8% | 24.9% | 19.7% | 49% |
| Leverage Ratio |
10.0%
-0.2pp YoY +0.1pp QoQ |
-2.2pp | 12.2% | 12.5% | 12.6% | 30% |
| Total Capital Ratio |
16.3%
+0.1pp YoY +0.2pp QoQ |
-3.7pp | 19.9% | 26.1% | 20.8% | 50% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
0 YoY -1 (-5.3%) QoQ |
-41 | 58 | 107 | 482 | 8% |
| Assets per Employee ($) |
$8.7M
+2.9% YoY +6.1% QoQ |
+$1.2M | $7.5M | $7.8M | $8.8M | 77% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.7% | 0.4% | n/a |
| Nonaccrual |
1.9%
+1.4pp YoY -0.1pp QoQ |
+1.0pp | 0.9% | 0.8% | 1.0% | 87% |
| Allowance Coverage |
0.66x
-69.3% YoY +6.4% QoQ |
-23.49x | 24.15x | 12.16x | 20.23x | 16% |
| Net Charge-off Rate (YTD) |
1.1%
+1.1pp YoY -1.1pp QoQ |
+1.0pp | 0.1% | 0.1% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.5%
-6.1pp YoY +5.8pp QoQ |
-5.7pp | 12.2% | 9.7% | 11.6% | 18% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 61% |
| Net Income ($, YTD) |
$469,000
-43.9% YoY — QoQ |
-$2.1M | $2.6M | $5.4M | $40.4M | 10% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.