First Colorado National Bank

Overview / Commentary
133 Grand Avenue
Paonia, CO 81428

First Colorado National Bank is headquartered in PAONIA and is the 65th largest bank in the state of Colorado. It is also the 4,037th largest bank in the nation. It was established in 1903 and as of September of 2023, it had grown to 20 employees at 2 locations. First Colorado National Bank has a B+ health rating.


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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

FDIC Certificate #3047
Year Established1903
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD5.29%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$83MM$88.2MM
LoansQ3 2023vs Q3 2022$64.5MM$66.9MM
DepositsQ3 2023vs Q3 2022$72.6MM$78.4MM
Equity CapitalQ3 2023vs Q3 2022$10.1MM$9.6MM
Loan Loss AllowanceQ3 2023vs Q3 2022$927K$924K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$0$0
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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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

0.50%*-$100kReward Saver
OTHER TIERS: 0.25% $100k+
0.30%*$100k*-Business High Yield Savings
OTHER TIERS: 0.20% $50k - $100k
0.05%$100-Business Simple Savings

First Colorado National Bank Checking Account Rates

1.00%*-$25kReward Cash
OTHER TIERS: 0.27% $25k+
0.20%*$50k*-Business Craft Checking Account
OTHER TIERS: 0.05% $10k - $25k | 0.10% $25k - $50k
0.20%*$50k*- Business Premium Checking Account
OTHER TIERS: 0.05% $10k - $25k | 0.10% $25k - $50k

First Colorado National Bank Locations
First Colorado National Bank133 Grand AvePaonia, CO 81428
First National Bank, Delta - Paonia150 Gunnison River DriveDelta, CO 81416

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