First Colorado National Bank

Overview / Commentary

www.firstcoloradobank.com

970-527-4141

133 Grand Avenue
Paonia, CO 81428

First Colorado National Bank is headquartered in Paonia and is the 71^st largest bank in the state of Colorado. It is also the 4,443^rd largest bank in the nation. It was established in 1903 and as of September of 2019, it had grown to 36 employees at 2 locations. First Colorado National Bank's money market rates are 82% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q3 2019

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First Colorado National Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	3047
Year Established	1903
Employees	36
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.85%
Return on Equity - YTD	4.27%
Annual Interest Income	$2.8MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$72.9MM$67.7MM
Loans	Q3 2019vs Q3 2018	$40.8MM$46.4MM
Deposits	Q3 2019vs Q3 2018	$58.6MM$53.6MM
Equity Capital	Q3 2019vs Q3 2018	$13.9MM$13.8MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$1.1MM$960.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$910.00K$505.00K
Real Estate Owned	Q3 2019vs Q3 2018	$841.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Colorado National Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$100	-	Individual Retirement Accounts
1.00%^*	-	$100k	Kasasa Saver
OTHER TIERS: 0.50% → $100k+
0.50%	$50k	-	Business Elite Savings
0.40%^*	$100k^*	-	Business High Yield Savings
OTHER TIERS: 0.25% → $50k - $100k
0.05%	$100	-	Simple Saver Account
0.05%	$100	-	Business Simple Savings
0.05%	$10	-	Piggy Bank Savings

First Colorado National Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%^*	$100k^*	$1m	Manager's Money Market
OTHER TIERS: 0.30% → $10k - $50k \| 0.50% → $50k - $100k

First Colorado National Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	-	$25k	Kasasa Cash
OTHER TIERS: 0.50% → $25k+
0.40%^*	$50k^*	-	Business Craft Checking Account
OTHER TIERS: 0.15% → $10k - $25k \| 0.25% → $25k - $50k
0.40%^*	$50k^*	-	Business Elite Checking Account
OTHER TIERS: 0.15% → $10k - $25k \| 0.25% → $25k - $50k

First Colorado National Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$1k	-	12 Month CD
1.20%	$1k	-	18 Month CD
1.00%	$1k	-	60 Month CD
0.90%	$1k	-	48 Month CD
0.80%	$1k	-	9 Month CD
0.80%	$1k	-	36 Month CD
0.70%	$1k	-	24 Month CD
0.60%	$1k	-	6 Month CD
0.10%	$1k	-	3 Month CD

First Colorado National Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$500	-	12 Month IRA
1.20%	$500	-	18 Month IRA
1.00%	$500	-	60 Month IRA
0.90%	$500	-	48 Month IRA
0.80%	$500	-	9 Month IRA
0.80%	$500	-	36 Month IRA
0.70%	$500	-	24 Month IRA
0.60%	$500	-	6 Month IRA
0.10%	$500	-	3 Month IRA

Locations

First Colorado National Bank Locations
First Colorado National Bank	133 Grand Avenue	Paonia, CO 81428
First National Bank, Delta - Paonia	150 Gunnison River Drive	Delta, CO 81416

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