First Pioneer National Bank

BankWray, Colorado
www.fpnb.bank

Total Assets

$249.3M

Total Deposits

$210.6M

Branches

2

Established

1902

TFS Health Grade

$
D-

61.0 / 100

Below average financial health

How we grade

First Pioneer National Bank is a bank headquartered in Wray, Colorado, established in 1902. With $249.3M in total assets and 2 branch locations, it has a TFS Financial Health Grade of D- (61.0/100).

Capital & Safety

Tier 1 Capital Ratio
12.68%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
2.71%

Profitability

Return on Assets (ROA)
0.76%(1%)
Return on Equity (ROE)
6.78%(10%)
Net Interest Margin
2.73%
Efficiency Ratio
66.73%(60%)

Lending & Liquidity

Total Loans
$137.4M
Loan-to-Deposit Ratio
64.52%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+3.06%
Deposit Growth (YoY)
+5.27%
Net Income
$1.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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