First Pioneer National Bank
Wray, CO
IDRSSD: 357553
Total Assets
$240.31M
Latest filing
Total Deposits
$192.18M
Latest filing
Net Interest Margin
2.79%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Pioneer National Bank
145 W 4th St
Wray, CO 80758
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1902FDIC Certificate 1950
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Pioneer National Bank (Main) | 145 W 4th St | Wray, CO |
| HOLYOKE BRANCH | 150 S Interocean Ave | Holyoke, CO |
Showing 1 of 1
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 | 07/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 80758 |
| State and County Number | 08125 |
| 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 | 27 |
| Domestic Offices | 2 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fpnb.bank |
| Data Updated | 11/14/2025 |
| CERT | 3063 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $240.31M |
| Total Deposits | $192.18M |
| Total Liabilities | $212.04M |
| Total Equity Capital | $28.26M |
| Net Income | $501.00k |
| Net Loans and Leases | $127.57M |
| Assets Per Employee ($Millions) | $9.61M |
| Bank Premises and Fixed Assets | $1.01M |
| Cash and Balances due from Depository Institutions | $10.93M |
| Deposits Held in Domestic Offices | $192.18M |
Key Performance Ratios
| Return on Assets (ROA) | 0.84% |
| Return on Equity (ROE) | 7.23% |
| Net Interest Margin | 2.79% |
| Efficiency Ratio | 64.74% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.761% |
| Earning Assets to total Assets | 96.34% |
Income and Expense
| Total Interest Income | $2.72M |
| Total Noninterest Income | $143.00k |
| Total Interest Expense | $1.11M |
| Total Noninterest Expense | $1.13M |
| Net Interest Income | $1.61M |
| Pre-tax Net Operating Income | $617.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $14.80M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $3.61M |
| All Other Liabilities | $1.45M |
| Total Liabilities and Capital | $240.31M |
Securities
| Securities | $95.50M |
| Available-for-sale debt securities | $95.50M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Pioneer National Bank?
$240.31M as of the latest filing.
How much are First Pioneer National Bank's total deposits?
$192.18M in total deposits.
Where is First Pioneer National Bank located?
Wray, CO.
What is the Net Interest Margin?
2.79%.
How many domestic offices does it operate?
2.
When was it established?
07/01/1902.
What is the Return on Assets (ROA)?
0.84%.
How much are total loans and leases?
$127.57M (latest filing).
What is the total interest income (latest filing)?
$2.72M.