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First Pioneer National Bank

$100M-$1B Specialty: Agricultural CO FDIC cert 3063

Wray, CO

2 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO
View $100M-$1B leaderboard (CO) →

First Pioneer National Bank has 1 strength but faces 3 concerns

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

  • + Efficiency Ratio 4.80% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 1.85% above tier average
  • - ROA 0.29% below tier average
  • - Net Interest Margin 0.88% below tier average
Get updates when First Pioneer National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $252.6M
+6.0% YoY +1.3% QoQ
-$133.5M $386.1M
+0.5% YoY
$1.3B
+9.7% YoY
$6.2B
+9.1% YoY
38%
Total Loans ? $133.0M
+7.2% YoY -2.1% QoQ
-$122.7M $255.7M
+1.1% YoY
$851.2M
+6.5% YoY
$3.2B
+10.8% YoY
30%
Total Deposits ? $212.9M
+5.4% YoY +1.1% QoQ
-$115.0M $328.0M
+0.1% YoY
$1.1B
+5.2% YoY
$4.8B
+8.2% YoY
37%
Return on Assets ? 0.98%
+36.4% YoY +28.2% QoQ
-0.29% 1.27%
+12.9% YoY
0.93%
+11.9% YoY
1.23%
+13.4% YoY
36%
Net Interest Margin ? 3.06%
+16.5% YoY +12.1% QoQ
-0.88% 3.93%
+6.0% YoY
3.99%
+5.0% YoY
3.89%
+5.7% YoY
Bottom 13.0% in tier
Efficiency Ratio ? 60.49%
-10.2% YoY -9.3% QoQ
-4.80% 65.29%
-4.5% YoY
74.00%
-3.2% YoY
66.95%
-4.1% YoY
59%
Delinquency Rate ? 2.74%
-6.7% YoY -0.1% QoQ
+1.85% 0.89%
+18.8% YoY
0.67%
-8.3% YoY
0.95%
+18.8% YoY
Bottom 6.8% in tier
Loan-to-Deposit Ratio ? 62.47%
+1.7% YoY -3.2% QoQ
-14.17% 76.64%
+0.8% YoY
78.09%
+0.7% YoY
76.70%
+0.9% YoY
78%
Non-Interest-Bearing Deposit Share ? 23.73%
-1.2% YoY -5.4% QoQ
+1.71% 22.02%
-1.0% YoY
23.93%
-3.2% YoY
22.01%
-1.2% YoY
62%
Nonperforming Asset Ratio ? 1.44%
-5.7% YoY -3.5% QoQ
+0.80% 0.64%
+19.7% YoY
0.50%
-1.2% YoY
0.67%
+19.3% YoY
Bottom 12.2% in tier
Tier 1 Capital Ratio ? 12.44%
+0.5% YoY -1.9% QoQ
-3.39% 15.83%
+1.5% YoY
21.66%
+2.9% YoY
17.06%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.04%
-5.7% YoY -78.0% QoQ
-0.24% 0.28%
+9.3% YoY
0.26%
+10.8% YoY
0.32%
+4.1% YoY
Bottom 13.2% in tier

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 (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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

582
Loan-to-Deposit Ratio
liquidity
Value: 62.47%
Peer Median: 76.64%
#582 of 2664 Top 21.8% in $100M-$1B

Top Weaknesses (4 metrics)

2475
Delinquency Rate
credit_quality
Value: 2.74%
Peer Median: 0.89%
#2475 of 2654 Bottom 6.8% in $100M-$1B
2341
Nonperforming Asset Ratio
credit_quality
Value: 1.44%
Peer Median: 0.64%
#2341 of 2664 Bottom 12.2% in $100M-$1B
2319
Net Interest Margin
profitability
Value: 3.06%
Peer Median: 3.93%
#2319 of 2664 Bottom 13.0% in $100M-$1B
2314
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.28%
#2314 of 2664 Bottom 13.2% in $100M-$1B
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