FDIC Cert #18714 · Lakewood, Colorado · Est. 1963

FirstBank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$26.5B
Total assets
A
Health grade · Excellent
1.20%
Return on assets
16.1%
Tier 1 capital

Data updated July 2026

The verdict

FirstBank earns a PlainBankData health grade of A (92/100), with well-capitalized at 16.10% Tier 1, profitable at 1.20% ROA, efficient (50% cost ratio).

#84
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
16.10%
Tier 1 ratio - above the 10% well-capitalized line
57th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 18714 · CO A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #521/4307
  • PHOTO-FINISH Andes State Bank · SD
  • TIER1-WELL 16.1% Tier 1
  • TEXAS-CLEAN 4.4% Texas
  • ROA-PAR 1.20% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Colorado: Andes State Bank, SD (±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 FirstBank

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

Morgan Stanley Bank,… · UT ·…100/100Andes State Bank · SD · near92/100Commercial National… · TX · …92/100First Bank Kansas · KS · near92/100FirstBank · CO · this bank92/100Morton Community Bank · IL ·…92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around FirstBank · July 2026

Call Report read for FirstBank in a high-failure state

FirstBank (FDIC Cert #18714) carries a PlainBankData health grade of A at 92/100, 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 #521 of 4,307. Tier 1 capital prints at 16.10%, clearing the 10% well-capitalized line. The Texas Ratio is 4.37%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.20%. Balance-sheet scale is $26.5B, 84th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Andes State Bank (SD), 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 FirstBank

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

FirstBank 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 FirstBank'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 FirstBank's 92/100 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 avg77/10092/100
FirstBank's composite health score
Tier 1 Capital Ratio (16.10%) 40/40
Return on Assets (ROA) (1.20%) 20/25
Texas Ratio (4.37%) 20/20
Efficiency Ratio (50.25%) 12/15

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

Balance sheet at a glance

Total Assets

$26.5B

Total balance-sheet footings

Total Deposits

$23.1B

Customer-funded liabilities

Net Loans

$16.0B

Outstanding loan book

Net Income

$323M

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.) 14.7% 16.1% 17.5%
Basel III capital ratios - FirstBank

Where FirstBank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. FirstBank's score of 92/100 falls in the highlighted band.

FirstBank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 12% higher than 88% 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%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. FirstBank 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

FirstBank'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). FirstBank's $26.5B falls in the highlighted band.

Capital & credit buffers at FirstBank

Tier 1 capital ratio
Well-capitalized 10%

16.10% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.10%
Texas Ratio
4.37%
Equity Capital
$1.9B

What these ratios mean →

Earnings posture at FirstBank

Return on Assets (ROA)
57th percentile nationally
1.20%
Return on Equity (ROE)
18.89%
Efficiency Ratio
50.25%

What these mean →

Income & expense at FirstBank

$1.1B
Interest Income
$173M
Non-Interest Income
$443M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. FirstBank reports a Texas Ratio of 4.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View FirstBank 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.

National size peers: banks closest to FirstBank by assets

FirstBank is closely matched in total assets by First Interstate Bank, Renasant Bank, Charles Schwab Premier Bank, SSB, Axos Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.31%, versus FirstBank's own 1.20%; the average efficiency ratio is 46.10%, versus 50.25% here; and average Tier 1 capital sits at 17.69%, versus 16.10% at FirstBank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $26.5B in assets, FirstBank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to FirstBank nationally by total assets
  1. 1
    First Interstate Bank $26.6B

    Billings, MT · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  6. 6
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
FirstBank (this bank) CO $26.5B 1.20% 50.25% 16.10%
First Interstate Bank MT $26.6B 1.20% 56.03% 14.13%
Renasant Bank MS $26.7B 0.89% 61.24% 12.00%
Charles Schwab Premier Bank, SSB TX $27.0B 1.47% 15.30% 42.00%
Axos Bank CA $27.2B 1.77% 42.85% 11.12%
WaFd Bank WA $27.3B 0.91% 54.50% 13.44%
Ameris Bank GA $27.4B 1.64% 46.67% 13.43%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($26.5B here), outside Colorado so the neighborhood is not state containment.

First Interstate Bank $26.6B · MT Renasant Bank $26.7B · MS Charles Schwab Premier Bank, SSB $27.0B · TX Axos Bank $27.2B · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) FirstBank (FDIC Cert #18714) - 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.

FirstBank 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
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%
Fortis BankDenver $1.4B B 0.60%