This institution is no longer active

Operations ceased on October 16, 2010. CRA examination history below reflects the period it was active.

FIRSTBANK OF NORTHERN COLORADO

FORT COLLINS, CO · Supervised by FDIC

Est. 1993FDIC #33,799RSSD: FDIC-33799

Part ofFIRSTBANK HOLDING CO→ View all charters

Outstanding Same

Current rating · Exam: July 2010

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.47%

Is this bank safe?

FIRSTBANK OF NORTHERN COLORADO earned an Outstanding CRA rating (2010), and is financially strong (ROA +1.47%).

Institution Profile

FDIC BankFind

Address

1013 East Harmony Road, FORT COLLINS, CO

County

Larimer County

Established

May 6, 1993

Total Assets

$463M(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 1, 2010

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 15 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2010Call Report / FDIC

Total Assets

$463M

Total Deposits

$408M

Net Loans

$326M

Net Income

$5M

ROA

1.47%

Above avg for Small banks. Peer avg: 0.44%

ROE

22.47%

Risk-Based Capital

11.82%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA1.47%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.82%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 2010	Outstanding	Intermediate Small Bank
May 2004	Outstanding	Large Bank
Apr 1998	Outstanding	Large Bank

1 previous rating locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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