Total Assets
$259M
Total balance-sheet footings
FDIC Cert #14584 · Trinidad, Colorado · Est. 1875
The First National Bank in Trinidad - FDIC Bank Health Profile
A community-scale look at The First National Bank in Trinidad's own numbers, pulled straight from its quarterly FDIC Call Report.
- $259M
- Total assets
- C
- Health grade · Fair
- 0.68%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank in Trinidad earns a PlainBankData health grade of C (58/100), with well-capitalized at 10.53% Tier 1, 0.68% ROA, 80% efficiency ratio.
- #2,697
- largest of 4,313 FDIC banks by assets
- 37th
- percentile by asset size, nationally
- 10.53%
- Tier 1 ratio - above the 10% well-capitalized line
- 23rd
- 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.
How The First National Bank in Trinidad's 58/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The First National Bank in Trinidad's composite health score
Tier 1 Capital Ratio (10.53%) 28/40
Return on Assets (ROA) (0.68%) 14/25
Texas Ratio (6.24%) 16/20
Efficiency Ratio (80.26%) 0/15
58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$243M
Customer-funded liabilities
Net Loans
$141M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank in Trinidad ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank in Trinidad's score of 58/100 falls in the highlighted band.
The First National Bank in Trinidad'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). The First National Bank in Trinidad's $259M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.53%
Texas Ratio
6.24%
Equity Capital
$16M
Profitability metrics
Return on Assets (ROA)
23rd percentile nationally
0.68%
Return on Equity (ROE)
14.13%
Efficiency Ratio
80.26%
What the numbers say about The First National Bank in Trinidad
The First National Bank in Trinidad is an FDIC-insured institution (Certificate #14584) headquartered in Trinidad, Colorado, established in 1875. It holds $259M in total assets - 2,697th of 4,313 FDIC-insured banks, $243M in customer deposits, and $141M in net loans. Capital-wise, the Tier 1 ratio sits at 10.53%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 6.24%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (58 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The First National Bank in Trinidad sits 40th of 65 banks headquartered in Colorado by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$11M
Interest Income
$881K
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank in Trinidad reports a Texas Ratio of 6.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Colorado by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank in Trinidad (FDIC Cert #14584) - 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.
Other banks in Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The First National Bank in Trinidad's health grade?▼
The First National Bank in Trinidad receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The First National Bank in Trinidad?▼
The First National Bank in Trinidad holds $259M in total assets and $243M in deposits, ranking 2,697th of 4,313 FDIC-insured banks by asset size. It is headquartered in Trinidad, Colorado.
Is my money safe at The First National Bank in Trinidad?▼
Yes, deposits at The First National Bank in Trinidad (Certificate #14584) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank in Trinidad's Tier 1 Capital Ratio?▼
The First National Bank in Trinidad has a Tier 1 Capital Ratio of 10.53%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The First National Bank in Trinidad?▼
The First National Bank in Trinidad has a Texas Ratio of 6.24%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The First National Bank in Trinidad?▼
The First National Bank in Trinidad has an Efficiency Ratio of 80.26%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The First National Bank in Trinidad's profile as a depositor or analyst.
- The First National Bank in Trinidad's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank in Trinidad against other Colorado banks before moving funds. Colorado banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.