B
First Pioneer National Bank
WrayCO
Rating Date
June 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First Pioneer National Bank
Wray, CO
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Rating B
Asset Quality Index 4.90
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 3.70
Stability Index 6.40
Company Info First Pioneer National Bank
Wray, CO
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FDIC Number 3063
Phone Number (970) 332-4824
Website www.fpnb.bank
Asset Quality First Pioneer National Bank
Wray, CO
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1-Year Asset Growth 2.63%
5-Year Asset Growth 6.66%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.55%
Non-Performing Loans to Capital 11.69%
Non-Performing Loans to Loans 2.94%
Balance Sheet First Pioneer National Bank
Wray, CO
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Total Assets 238.19M
Total Deposits 202.04M
Capital and Reserves First Pioneer National Bank
Wray, CO
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Capital 26.20M
Leverage Ratio 12.38
Loan Loss Reserves to Loans 1.19%
Risk-Based Capital Ratio --
Liquidity First Pioneer National Bank
Wray, CO
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Hot Money Ratio 25.69%
Liquidity Ratio 20.19%
Profitability First Pioneer National Bank
Wray, CO
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5-Year Return on Average Assets 0.89%
Net Income 430.00K
Net Interest Spread 2.65%
Operating Profit to Average Assets 0.88%
Overhead Efficiency Ratio 67.39%
Return on Assets 0.72%
Return on Equity 6.70%