First National Bank (FDIC #14712): Bank Stress & Real-Estate Credit Exposure
First National Bank (FDIC Cert #14712): bank stress 1/100, contained, STABLE over 7 days; parent CAPITOL BCORP INC.
First National Bank (#14712) lends in 15 counties across 3 states; First National Bank (#14712) reaches 190 ZIP codes: South Dakota 11 counties, 86 ZIPs; Colorado 3 counties, 92 ZIPs; Wyoming 1 county, 13 ZIPs.
First National Bank (#14712) largest markets: Weld County, CO (43 branches, 43 ZIPs) (#14712), Arapahoe County, CO (33 branches, 33 ZIPs) (#14712), Larimer County, CO (48 branches, 24 ZIPs) (#14712), Pennington County, SD (20 branches, 20 ZIPs) (#14712), Meade County, SD (19 branches, 19 ZIPs) (#14712), Corson County, SD (16 branches, 16 ZIPs) (#14712).
First National Bank (#14712) reports $2.03 billion in total assets; First National Bank (#14712) equity $476.5 million (23.4% of First National Bank (#14712) assets); First National Bank (#14712) domestic deposits $1.51 billion; First National Bank (#14712) net income $25.6 million; First National Bank (#14712) return on assets 2.50%; First National Bank (#14712) return on equity 11.01%; First National Bank (#14712) net interest income $70.8 million; First National Bank (#14712) call report June 30, 2026.
First National Bank (#14712) noncurrent real-estate loans: none reported; First National Bank (#14712) net charge-offs on real estate 0.02%; First National Bank (#14712) residential charge-offs 0.01%.
First National Bank (#14712) net interest margin 7.53% against an eight-quarter First National Bank (#14712) average of 7.97% (First National Bank (#14712) compression 0.44 points); First National Bank (#14712) non-residential real estate 1.0% of equity; First National Bank (#14712) rate-exposure score 40/100, First National Bank (#14712) fixed-rate trap 40/100; First National Bank (#14712) risk type rate trapped; First National Bank (#14712) rate regime rates elevated, First National Bank (#14712) snapshot October 20, 2026.
First National Bank (#14712) stress score moved from 0.7 on June 22, 2026 to 1.3 on October 20, 2026; First National Bank (#14712) ranged 0.7 to 1.3 over 117 snapshots.
First National Bank (#14712) alerts: 15 counties; top First National Bank (#14712) alert scores: Cheyenne County, SD 9 (low); Englewood County, SD 9 (low); Fort Pierre County, SD 9 (low); Greeley County, SD 9 (low); Huron County, SD 9 (low).