Is First National Bank Cortez Safe?
First National Bank Cortez has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (73/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.18% | 100/100 |
| Nonperforming Loan Ratio | 0.68% | 86/100 |
| Liquidity Ratio | 25.81% | 83/100 |
| Return on Assets | 1.33% | 73/100 |
| Total Assets | $0.1B | |
How does First National Bank Cortez compare?
With a Bank Health Score of 89/100, First National Bank Cortez sits 19.0 points above the national average of 70/100 for FDIC-insured banks. Within Colorado, where 62 FDIC-insured banks are headquartered, First National Bank Cortez ranks above the state average of 71/100 (Grade B).
The bank's Tier 1 capital ratio of 15.18% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.68% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First National Bank Cortez's Bank Health Score fell by 2.0 points to 89/100. Tier 1 capital weakened by 0.35 percentage points to 15.18%. Quarter-over-quarter, the score rose by 1.0 points.
First National Bank Cortez has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (73/100).