$256M
−0.1%y/y
Percentile by value83rd percentileby value
FDIC
ASSETFB
The First National Bank in Trinidad
Trinidad, ColoradoFDIC Cert #14584
OCCEstablished 18755 branches
Holding company: REPUBLIC TRINIDAD CORPRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe First National Bank in Trinidad reported $256M in total assets. Deposits declined 1.57% over the prior year.
Return on assets was 0.44%, compared with an asset-peer median of 1.18%. The leverage ratio was 10.68%.
- Why is Total Assets above asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$241M
−1.6%y/y
Percentile by value91st percentileby value
FDIC
DEP$138M
+0.1%y/y
Percentile by value66th percentileby value
FDIC
LNLSNET0.44%
+2 bpsy/y
Peer standing13th percentile
FDIC
NETINC + ROA86.91%
+33 bpsy/y
Peer standing10th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.68%
+26 bpsy/y
Peer standing42nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $271M | $241M |
| Q3 2021 | $271M | $241M |
| Q4 2021 | $284M | $255M |
| Q1 2022 | $281M | $263M |
| Q2 2022 | $269M | $261M |
| Q3 2022 | $278M | $273M |
| Q4 2022 | $270M | $262M |
| Q1 2023 | $273M | $249M |
| Q2 2023 | $275M | $246M |
| Q3 2023 | $276M | $243M |
| Q4 2023 | $294M | $238M |
| Q1 2024 | $263M | $230M |
| Q2 2024 | $253M | $232M |
| Q3 2024 | $256M | $234M |
| Q4 2024 | $255M | $236M |
| Q1 2025 | $256M | $245M |
| Q2 2025 | $265M | $254M |
| Q3 2025 | $258M | $244M |
| Q4 2025 | $259M | $243M |
| Q1 2026 | $256M | $241M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $7.75M |
| Investor CRE | $7.43M |
| Multifamily | $1.51M |
| Construction | $6.71M |
| 1–4 family | $104M |
| C&I | $3.35M |
| Agriculture | $7.53M |
| Other | $1.88M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.44%13th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE7.39%28th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY3.69%40th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR86.91%10th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP−1.57%16th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+0.15%24th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.92%30th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ10.68%42nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.05%96th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.44%17th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 1.01%90th 2.06%Observations 65
ROE
FDIC
NETINC + ROE7.39%33rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.79%Median 9.84%90th 20.95%Observations 65
NIM
FDIC
NIM + NIMY3.69%33rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.93%Median 3.95%90th 5.00%Observations 65
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR86.91%9th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.37%Median 69.37%90th 85.80%Observations 65
Deposits YoY
FDIC
DEP−1.57%16th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.68%Median +4.28%90th +14.78%Observations 65
Loans YoY
FDIC
LNLSNET+0.15%23rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.85%Median +6.37%90th +13.92%Observations 65
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.92%28th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.40%90th 1.35%Observations 65
Leverage
FDIC
RBC1AAJ10.68%42nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 11.08%90th 15.92%Observations 65
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.05%97th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.27%Median 2.41%90th 3.19%Observations 65
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 14%Median 174%90th 297%Observations 35
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.44%27th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.08%Median 0.75%90th 1.84%Observations 23
ROE
FDIC
NETINC + ROE7.39%45th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.74%Median 7.47%90th 15.43%Observations 23
NIM
FDIC
NIM + NIMY3.69%32nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.95%Median 4.07%90th 5.18%Observations 23
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR86.91%9th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.57%Median 74.13%90th 86.35%Observations 23
Deposits YoY
FDIC
DEP−1.57%18th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.36%Median +4.26%90th +10.96%Observations 23
Loans YoY
FDIC
LNLSNET+0.15%32nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.33%Median +3.34%90th +9.75%Observations 23
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.92%45th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.79%90th 2.56%Observations 23
Leverage
FDIC
RBC1AAJ10.68%27th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.40%Median 12.44%90th 15.58%Observations 23
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.05%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.33%Median 2.26%90th 3.08%Observations 23
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 16%Median 165%90th 238%Observations 8
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 5 branches
- Headquarters
- Trinidad, CO
FDIC
OFFDOMOpen the Colorado dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data