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Overview / Commentary
145 West Fourth Street
Wray, CO 80758

First Pioneer National Bank is headquartered in Wray and is the 48th largest bank in the state of Colorado. It is also the 3,382nd largest bank in the nation. It was established in 1902 and as of March of 2014, it had grown to 30 employees at 2 locations. First Pioneer National Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Pioneer National Bank had $289,000 in non-current loans and owned real-estate with $21.55 million in equity and loan loss allowances on hand to cover it. This gives First Pioneer National Bank a Texas Ratio of 1.34% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Pioneer National Bank decreased dramatically from 5.15% as of March 31, 2013 to 1.34% as of March 31, 2014, resulting in a positive change of 73.98%.This indicates that the balance sheet and financial strength for First Pioneer National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, First Pioneer National Bank has decreased its total deposits by -$4.84 million, resulting in -3.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Pioneer National Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Pioneer National Bank has $172.27 million in assets with $21.55 million in equity, resulting in a capitalization level of 12.51%, which is excellent.

Institution Statistics

FDIC Certificate #3063
Year Established1902
Primary RegulatorOCC
Assets and Liabilities
Assets$172.27 million
Loans$80.00 million
Deposits$147.83 million
Equity Capital$20.19 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$289,000
Real Estate Owned$0
Historic Data - March 2013
Assets$182.39 million
Equity Capital$20.17 million
Loan Loss Allowance$1.33 million
Unbacked Noncurrent Loans$289,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.71%
Return on Equity6.22%
Interest Income$1.25 million

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First Pioneer National Bank Savings Account Rates

0.20%--IRA Savings Account
0.20%--Roth IRA Savings Account
0.20%--SEP IRA Savings Account
0.15%$5k-HSA NOW Account
0.10%--Statement Savings Account

First Pioneer National Bank Money Market Rates

0.15%$100k-Money Market

First Pioneer National Bank Checking Account Rates

0.05%--NOW Account

First Pioneer National Bank CD Rates

1.46%$50k-60 Month CD
1.31%$50k-48 Month CD
0.95%$50k-36 Month CD
0.80%$25-Young Pioneer
0.65%$50k-24 Month CD
0.65%$50k-30 Month CD
0.60%$50k-18 Month CD
0.50%$50k-12 Month CD
0.35%$50k-183 Day CD
0.25%$50k-92 Day CD
0.05%--30 Day CD

First Pioneer National Bank IRA Rates

1.46%$1k-60 Month IRA
1.31%$1k-48 Month IRA
0.95%$1k-36 Month IRA
0.65%$1k-24 Month IRA
0.50%$1k-12 Month IRA

First Pioneer National Bank Locations
First Pioneer National Bank145 West Fourth StreetWray, CO 80758
Holyoke Branch150 South Interocean StreetHolyoke, CO 80734