FDIC Cert #17872 · Cortez, Colorado · Est. 1958

First National Bank, Cortez - FDIC Bank Health Profile

A community-scale look at First National Bank, Cortez's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$152M
Total assets
A
Health grade · Excellent
1.18%
Return on assets
15.8%
Tier 1 capital

Data updated July 2026

The verdict

First National Bank, Cortez earns a PlainBankData health grade of A (88/100), with well-capitalized at 15.80% Tier 1, profitable at 1.18% ROA, 60% efficiency ratio.

#3,330
largest of 4,313 FDIC banks by assets
23rd
percentile by asset size, nationally
15.80%
Tier 1 ratio - above the 10% well-capitalized line
56th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 17872 · CO A · 88/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • MID-PACK #1082/4307
  • PHOTO-FINISH First State Bank · TX
  • TIER1-WELL 15.8% Tier 1
  • TEXAS-CLEAN 3.3% Texas
  • ROA-PAR 1.18% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Colorado: First State Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First National Bank, Cortez

Lowest and highest poles plus nearest scored peers outside Colorado, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bath Savings Institu… · ME ·…88/100Central Bank · TX · near88/100First National Bank,… · CO ·…88/100First State Bank · TX · near88/100TriCentury Bank · KS · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank, Cortez · July 2026

Call Report read for First National Bank, Cortez in a high-failure state

First National Bank, Cortez (FDIC Cert #17872) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,082 of 4,307. Tier 1 capital prints at 15.80%, clearing the 10% well-capitalized line. The Texas Ratio is 3.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.18%. Balance-sheet scale is $152M, 3,330th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First National Bank, Cortez

10 FAILURE resolutions in Colorado since 2000, heavy vs the state corpus

First National Bank, Cortez sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about First National Bank, Cortez's current Call Report.

  • PREMIER BANK DENVER, CO 2015 → UNITED FIDELITY BANK, FSB
  • COLORADO CAPITAL BANK CASTLE ROCK, CO 2011 → FIRST-CITIZENS BANK & TRUST COMPANY
  • SIGNATURE BANK WINDSOR, CO 2011 → POINTS WEST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Colorado banks.

How First National Bank, Cortez's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
First National Bank, Cortez's composite health score
Tier 1 Capital Ratio (15.80%) 40/40
Return on Assets (ROA) (1.18%) 20/25
Texas Ratio (3.30%) 20/20
Efficiency Ratio (60.31%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$152M

Total balance-sheet footings

Total Deposits

$132M

Customer-funded liabilities

Net Loans

$97M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.4% 15.8% 17.2%
Basel III capital ratios - First National Bank, Cortez

Where First National Bank, Cortez ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank, Cortez's score of 88/100 falls in the highlighted band.

First National Bank, Cortez: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 25% higher than 75% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First National Bank, Cortez 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First National Bank, Cortez's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank, Cortez's $152M falls in the highlighted band.

Capital & credit buffers at First National Bank, Cortez

Tier 1 capital ratio
Well-capitalized 10%

15.80% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.80%
Texas Ratio
3.30%
Equity Capital
$15M

What these ratios mean →

Earnings posture at First National Bank, Cortez

Return on Assets (ROA)
56th percentile nationally
1.18%
Return on Equity (ROE)
12.63%
Efficiency Ratio
60.31%

What these mean →

Income & expense at First National Bank, Cortez

$8M
Interest Income
$566K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank, Cortez reports a Texas Ratio of 3.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First National Bank, Cortez on FDIC BankFind →

Top banks in Colorado by total assets

Largest banks headquartered in Colorado
  1. 1
    FirstBank $26.5B

    Lakewood, CO · Grade A

  2. 2
    NBH Bank $9.8B

    Greenwood Village, CO · Grade A

  3. 3
    Bank of Colorado $7.7B

    Fort Collins, CO · Grade A

  4. 4
    Alpine Bank $6.9B

    Glenwood Springs, CO · Grade A

  5. 5
    First Western Trust Bank $3.2B

    Denver, CO · Grade C

Top 5 banks in Colorado ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($152M here), outside Colorado so the neighborhood is not state containment.

Security Bank and Trust Company $152M · OK Bank of Greeleyville $152M · SC Commonwealth Community Bank, Inc. $152M · KY First Bank $152M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank, Cortez (FDIC Cert #17872) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First National Bank, Cortez Call Report profile · FDIC Failed Bank List · Colorado FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Colorado

All Colorado banks →
BankAssetsGradeROA
FirstBankLakewood $26.5B A 1.20%
NBH BankGreenwood Village $9.8B A 1.18%
Bank of ColoradoFort Collins $7.7B A 1.07%
Alpine BankGlenwood Springs $6.9B A 1.16%
First Western Trust BankDenver $3.2B C 0.51%
ANB BankDenver $3.0B B 0.81%
Colorado Federal Savings BankGreenwood Village $2.7B A 0.57%
Solera National BankLakewood $1.6B B 1.86%