First National Bank, Cortez
Cortez, CO
IDRSSD: 968155
Total Assets
$152.33M
Latest filing
Total Deposits
$132.21M
Latest filing
Net Interest Margin
3.93%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
102104888CORTEZ, CO
Key People
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Locations
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Main Office
First National Bank, Cortez
2258 E Main St
Cortez, CO 81321
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/31/1958FDIC Certificate 11811
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| First National Bank, Cortez (Main) | 2258 E Main St | Cortez, CO | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 05/31/1958 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 81321 |
| State and County Number | 08083 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 18 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/31/1958 |
| Primary Insurance Agency | DIF |
| Website | www.fnbcortez.com |
| Data Updated | 01/30/2026 |
| CERT | 17872 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $152.33M |
| Total Deposits | $132.21M |
| Total Liabilities | $137.42M |
| Total Equity Capital | $14.91M |
| Net Income | $424.00k |
| Net Loans and Leases | $96.67M |
| Assets Per Employee ($Millions) | $8.02M |
| Bank Premises and Fixed Assets | $3.08M |
| Cash and Balances due from Depository Institutions | $2.51M |
| Deposits Held in Domestic Offices | $132.21M |
Key Performance Ratios
| Return on Assets (ROA) | 1.11% |
| Return on Equity (ROE) | 11.57% |
| Net Interest Margin | 3.93% |
| Efficiency Ratio | 60.99% |
| Tier 1 Risk-Based Capital Ratio | 15.796% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.788% |
| Earning Assets to total Assets | 93.44% |
Income and Expense
| Total Interest Income | $2.09M |
| Total Noninterest Income | $149.00k |
| Total Interest Expense | $681.00k |
| Total Noninterest Expense | $949.00k |
| Net Interest Income | $1.41M |
| Pre-tax Net Operating Income | $557.00k |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $4.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $8.50M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.21M |
| Total Liabilities and Capital | $152.33M |
Securities
| Securities | $36.43M |
| Available-for-sale debt securities | $22.29M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $14.14M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank, Cortez?
$152.33M as of the latest filing.
How much are First National Bank, Cortez's total deposits?
$132.21M in total deposits.
Where is First National Bank, Cortez located?
Cortez, CO.
What is the Net Interest Margin?
3.93%.
How many domestic offices does it operate?
1.
When was it established?
05/31/1958.
What is the Return on Assets (ROA)?
1.11%.
How much are total loans and leases?
$96.67M (latest filing).
What is the total interest income (latest filing)?
$2.09M.