BlastPoint's Banking Scorecard

First National Bank Colorado

$100M-$1B Specialty: Agricultural CO FDIC cert 3034

Las Animas, CO

7 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

First National Bank Colorado demonstrates 4 strengths

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

+ Credit Quality Leader: Top 19.0% in tier
+ Profitability Leader: Top 45.0% in tier
+ Net Interest Margin 0.37% above tier average
+ Efficiency Ratio 17.39% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First National Bank Colorado releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$627.0M +2.0% YoY -1.6% QoQ	+$240.9M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$386.4M +6.5% YoY +5.6% QoQ	+$130.7M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$530.9M +0.6% YoY -1.6% QoQ	+$203.0M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	2.17% +9.5% YoY +8.7% QoQ	+0.90%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	Top 9.2% in tier
Net Interest Margin ?	4.30% +7.1% YoY +2.4% QoQ	+0.37%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	73%
Efficiency Ratio ?	47.89% -1.5% YoY +0.4% QoQ	-17.39%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	Top 12.3% in tier
Delinquency Rate ?	0.03% -2.3% YoY -4.4% QoQ	-0.86%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	83%
Loan-to-Deposit Ratio ?	72.78% +6.0% YoY +7.3% QoQ	-3.85%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	62%
Non-Interest-Bearing Deposit Share ?	24.84% +7.0% YoY -4.0% QoQ	+2.82%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	65%
Nonperforming Asset Ratio ?	0.02% +2.1% YoY +2.7% QoQ	-0.62%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	11.69% +2.1% YoY +0.4% QoQ	-4.14%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.09% +4.7% YoY -73.9% QoQ	-0.19%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	43%

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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 (2)

Credit Quality Leader

growth

#127 of 664 • Top 19.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.03%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Profitability Leader

growth

#301 of 666 • Top 45.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.17%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

245

Return on Assets

profitability

Value: 2.17%

Peer Median: 1.27%

#245 of 2664 Top 9.2% in $100M-$1B

329

Efficiency Ratio

profitability

Value: 47.89%

Peer Median: 65.29%

#329 of 2664 Top 12.3% in $100M-$1B

414

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#414 of 2664 Top 15.5% in $100M-$1B

445

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#445 of 2654 Top 16.7% in $100M-$1B

470

Total Assets

size

Value: $626.99M

Peer Median: $386.08M

#470 of 2664 Top 17.6% in $100M-$1B

475

Total Deposits

size

Value: $530.94M

Peer Median: $327.97M

#475 of 2664 Top 17.8% in $100M-$1B

577

Total Loans

size

Value: $386.44M

Peer Median: $255.72M

#577 of 2664 Top 21.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available