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First Pioneer National Bank
Wray, CO · FDIC Certificate #3063 · Chartered 07/0
Total assets
$243.41M
Total deposits
$205.47M
Total equity
$29.54M
Net loans
$129.06M
Branches (offices)
2
Net income (YTD)
$1.34M
Rank: #2,749 of 4,213 U.S. banks by assets · #41 of 63 in Colorado. Assets changed 2.4% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 9.16% |
| Net interest margin (YTD) | 3.19% |
| Equity to assets | 12.14% |
| Tier 1 leverage ratio | 12.53% |
| Uninsured deposits (share of deposits) | 30.8% |
| Noncurrent loans (share of loans) | 2.79% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 62.8% |
| Real estate loans (share of loans) | 60.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $78.03M | 60.5% | |
| Commercial & industrial | $5.67M | 4.4% | |
| Consumer / individual | $7.15M | 5.5% | |
| Construction & development | $1.91M | 1.5% | |
| Agricultural | $39.35M | 30.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $245.36M | $212.79M | $1.01M | $22.51M |
| Jun 2023 | $231.61M | $196.38M | $1.22M | $21.77M |
| Jun 2024 | $242.38M | $199.00M | $752.00K | $23.66M |
| Jun 2025 | $237.73M | $200.33M | $874.00K | $27.16M |
| Jun 2026 | $243.41M | $205.47M | $1.34M | $29.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $205.47M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $205.47M.
Similar-sized banks
The Turbotville National Bank ($243.49M) · Citizens Progressive Bank ($243.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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