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First American State Bank

$100M-$1B Specialty: Commercial CO FDIC cert 34040

Greenwood Village, CO

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

First American State Bank has 1 strength but faces 8 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

  • + Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 8.1% in tier
  • - Deposit Outflow: Bottom 11.1% in tier
  • - NIB Deposit Bleed: Bottom 18.7% in tier
  • - Efficiency Drag: Bottom 38.4% in tier
  • - Credit Quality Pressure: Bottom 41.2% in tier
  • - Net Interest Margin 1.03% below tier average
  • - Non-Interest Income / Assets 0.27% below tier average
  • - ROA 0.85% below tier average
Get updates when First American State 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 ? $281.8M
-4.8% YoY -2.2% QoQ
-$104.3M $386.1M
+0.5% YoY
$1.3B
+9.7% YoY
$6.2B
+9.1% YoY
42%
Total Loans ? $198.0M
-5.4% YoY -2.2% QoQ
-$57.7M $255.7M
+1.1% YoY
$851.2M
+6.5% YoY
$3.2B
+10.8% YoY
48%
Total Deposits ? $201.4M
-0.7% YoY -2.1% QoQ
-$126.6M $328.0M
+0.1% YoY
$1.1B
+5.2% YoY
$4.8B
+8.2% YoY
34%
Return on Assets ? 0.42%
+68.3% YoY -16.6% QoQ
-0.85% 1.27%
+12.9% YoY
0.93%
+11.9% YoY
1.23%
+13.4% YoY
Bottom 11.1% in tier
Net Interest Margin ? 2.90%
+6.9% YoY +4.9% QoQ
-1.03% 3.93%
+6.0% YoY
3.99%
+5.0% YoY
3.89%
+5.7% YoY
Bottom 8.5% in tier
Efficiency Ratio ? 81.74%
-2.1% YoY +5.3% QoQ
+16.46% 65.29%
-4.5% YoY
74.00%
-3.2% YoY
66.95%
-4.1% YoY
Bottom 13.3% in tier
Delinquency Rate ? 0.33%
+2.0% QoQ
-0.56% 0.89%
+18.8% YoY
0.67%
-8.3% YoY
0.95%
+18.8% YoY
56%
Loan-to-Deposit Ratio ? 98.29%
-4.7% YoY -0.1% QoQ
+21.66% 76.64%
+0.8% YoY
78.09%
+0.7% YoY
76.70%
+0.9% YoY
Bottom 10.4% in tier
Non-Interest-Bearing Deposit Share ? 13.73%
-22.0% YoY +8.2% QoQ
-8.29% 22.02%
-1.0% YoY
23.93%
-3.2% YoY
22.01%
-1.2% YoY
20%
Nonperforming Asset Ratio ? 0.93%
+14.8% YoY +2.2% QoQ
+0.29% 0.64%
+19.7% YoY
0.50%
-1.2% YoY
0.67%
+19.3% YoY
22%
Tier 1 Capital Ratio ? 14.74%
+10.9% YoY +2.4% QoQ
-1.09% 15.83%
+1.5% YoY
21.66%
+2.9% YoY
17.06%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.01%
-8.5% YoY -85.8% QoQ
-0.27% 0.28%
+9.3% YoY
0.26%
+10.8% YoY
0.32%
+4.1% YoY
Bottom 1.6% 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 (5)

Liquidity Strain

risk
#53 of 643 • Bottom 8.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.29%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#57 of 506 • Bottom 11.1% in tier

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

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ

NIB Deposit Bleed

decline
#38 of 198 • Bottom 18.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 13.73%
(Tier: 22.02%, National: 22.01%)
worse than tier avg
198 of 198 Community banks match · 238 nationally
↓ Shrinking -31 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#160 of 414 • Bottom 38.4% in tier

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

Why this signature
Efficiency Ratio: 81.74%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable

Credit Quality Pressure

risk
#540 of 1308 • Bottom 41.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.33%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2622
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.28%
#2622 of 2664 Bottom 1.6% in $100M-$1B
2439
Net Interest Margin
profitability
Value: 2.90%
Peer Median: 3.93%
#2439 of 2664 Bottom 8.5% in $100M-$1B
2387
Loan-to-Deposit Ratio
liquidity
Value: 98.29%
Peer Median: 76.64%
#2387 of 2664 Bottom 10.4% in $100M-$1B
2370
Return on Assets
profitability
Value: 0.42%
Peer Median: 1.27%
#2370 of 2664 Bottom 11.1% in $100M-$1B
2312
Efficiency Ratio
profitability
Value: 81.74%
Peer Median: 65.29%
#2312 of 2664 Bottom 13.3% in $100M-$1B
2142
Non-Interest-Bearing Deposit Share
funding
Value: 13.73%
Peer Median: 22.02%
#2142 of 2664 Bottom 19.6% in $100M-$1B
2090
Nonperforming Asset Ratio
credit_quality
Value: 0.93%
Peer Median: 0.64%
#2090 of 2664 Bottom 21.6% in $100M-$1B
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