🏦Bank Scorer

FIRST NATIONAL BANK COLORADO

LAS ANIMAS, CO · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1901FDIC #3,034
Outstanding Same

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 2.17%

Institution Profile

FDIC BankFind

Address

535 Bent Ave, LAS ANIMAS, CO

County

Bent County

Established

January 1, 1901

Total Assets

$627M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 5, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$627M

Total Deposits

$531M

Net Loans

$386M

Net Income

$3M

ROA

2.17%

Above avg for Small banks. Peer avg: 0.44%

ROE

20.79%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA2.17%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate14.29%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$515M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249176.92%14.29%
20237375.34%16.44%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Jul 2023OutstandingIntermediate Small Bank
Jun 2020OutstandingIntermediate Small Bank
May 2017OutstandingIntermediate Small Bank

4 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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