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 66^th largest bank in the state of Colorado. It is also the 4,134^th largest bank in the nation. It was established in 1903 and as of June of 2022, it had grown to 18 employees at 2 locations. First Colorado National Bank has a B+ health rating.

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Health

B+

Data as of Q2 2022

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	18
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.8%
Return on Equity - YTD	7.14%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$85.0MM$90.0MM
Loans	Q2 2022vs Q2 2021	$65.9MM$3.1MM
Deposits	Q2 2022vs Q2 2021	$75.3MM$80.6MM
Equity Capital	Q2 2022vs Q2 2021	$9.5MM$9.2MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$924.00K$48.00K
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$0$0
Real Estate Owned	Q2 2022vs Q2 2021	$0$71.00K

Rates

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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
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

APY	MIN	MAX	ACCOUNT NAME
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

Locations

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

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