# FIRSTBANK
LAKEWOOD, CO · FDIC certificate 18714 · asset band $10-100B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $29.36B | |
| Deposits | $23.17B | |
| Loans and leases | $15.48B | |
| Total equity | $4.56B | |
| Loans / deposits | 65.78% (p12 of band) | 84.79% |
| Liquid assets / assets | 33.35% (p79 of band) | |
| Uninsured deposits / deposits | 30.50% (p32 of band) | 38.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.83% (p39 of band) | |
| FHLB advances / assets | 4.83% | |
| Tier 1 leverage | 6.49% (p6 of band) | 10.17% |
| Unrealized securities loss / equity | -0.18% (p94 of band) | -7.45% |
| AOCI / equity | 13.84% (p100 of band) | |
| ROA (annualized) | 0.79% (p23 of band) | 1.19% |
| Net interest margin | 3.85% (p72 of band) | 3.51% |
| Efficiency ratio | 63.99% (p81 of band) | |
| Noncurrent loans | 0.72% (p55 of band) | 0.68% |
| Net charge-offs (annualized) | 0.03% (p31 of band) | |
| Reserve coverage of noncurrent | 215.95% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 23.50% (p39 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 2443 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | leverage <7% |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 | construction >100% equity | capital falling, leverage <7% |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 3 | NIM <2.5% |  |
| 2024-06 | 2 |  | construction >100% equity |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | NIM <2.5% |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | leverage <7% | securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-22 [PNC Completes FirstBank Customer Conversion - PR Newswire](https://news.google.com/rss/articles/CBMihwFBVV95cUxNemJhanBSeldaYnZiMHZsbXB4ZVJheERoUjlaNWxVOThFc2xMOTRrVFdiQzc1MXdlemZnTk1aMFhCZzNZeTJMQlk1WjZKMzlrTDk3QmtlalFaSUpscjZ0RUpoY2FiYU9qQnVSalV5alh6OEFTQmUyU0hVYVM0RXkwUmlDWExaV1E?oc=5) · PR Newswire
- 2026-07-07 [PNC Bank closing 14 Colorado branches following FirstBank rebranding - The Denver Post](https://news.google.com/rss/articles/CBMijwFBVV95cUxQbEswUVRGd1dQeFNTTGxubGItVktMVUZrR21IdVp0UVd2NGRfMVlpcWQ5MmFFM3g5aXp6N3c5R3VtRTJMRjZVeDNrLXBFNkZoY0kyZDNaM0U5a0M0eFZwd3cxRnJZd0xXcFE4RDVveWp1RG9PVklRY3BfbTdjRjR5bURiRmJvdHhjUnlhVlQ3RQ?oc=5) · The Denver Post
- 2026-04-23 [PNC to cut 777 FirstBank jobs this summer - Banking Dive](https://news.google.com/rss/articles/CBMitgFBVV95cUxOR2JqcXUzVGo4TU5BYUtpcEhyS2VQMFZBWlAwaW5IZFJTNlh0ZXVFcTBONGZsVlFsdk5qTWVycDBFb3piR2NtNTVkYlk5R21qdWMzU3R2T3ZjZ201NVRrQWpiQlhCU24tQ25yWl85RkU0ODB5Nk1ES0lrVW1mMl9VNEdnV1hPTG1DbTRqTWxMd2dOczZGWVhtUVduODBvRVNoMi1SVUxubjhTa20zQUYxaW1VcXUtQQ?oc=5) · Banking Dive
- 2026-06-22 [Summit County customers report issues as PNC completes conversion of former FirstBank accounts - SummitDaily.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQbXIwai1nTzBxLXVRMkVwS2RaNXRhZjk3ZngxOFJFdnFLb29vZGhydDZIVmpPM2ZOeWRMeUo2aWdjZUwxcVJDOGI1OFV4dUF5dEI0aS0tMDR0SHlKalg2Z21ZMmx1eTNaM2pBdjdUUjRHTHJWZWMtRDhZZW9YSFFxRXBzRng?oc=5) · SummitDaily.com
- 2026-04-21 [Nearly 800 Colorado employees to lose jobs at the former FirstBank headquarters in Lakewood - CBS News](https://news.google.com/rss/articles/CBMipAFBVV95cUxQdi1OUkxMYkkyWWVwaWZSQnVRUnI4aElzUW94Q192eWM0OU8zUzRZdjFyUWUyRzc0Z2FTQnRnUC1yOHNTcjlPcU80YmR4MUJrZW51cGVycS1VQ1pMU255WGtnOTRSa293cU1NeExCc2U3ekp0dDJwTWdCYi1aMkhDMUljWXREeV9abXoyMDhfakV1SF92cUNJRFRoeHZQUFZ2a0FINdIBqgFBVV95cUxOSjdYSGk5RUp5ZlFrN2tna191dHNUZW01QTMzNGNFTlA0VVBGVjF2bHhVVTdtdm44blhmUmd1aGdCTjFJaDdKcGxac3lUSUpVN1RHYkplUUJBSy1ET0stTG1vNUFrSzZjRUNBSmFzMzV3ZXBsbFozVmxidjlQOE5xYlFWdVZhRkdWTXdlUmlXQ1IzNU1xSXBHUWtoQTNMYWt0TURDekhUQ0E0Zw?oc=5) · CBS News
- 2026-07-16 [As FirstBank becomes PNC and Ent joins Wings, Colorado customers confront a changing banking landscape - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOVHBYSDNmcHV6ZnlyNV9oZjBsd3djc2NlU0haMVpzR0xPN28tb0hCUGkyeDkweHNkRHhPNHJyVWVReXFDcnZUZGFwZ3JrUHpZTk5CUzdQdTlHNi1CQ2N6ODRKLVJVUmoxYjdrcHdhMmhRbU9UbFVKejY5T0FxTWJUQmRBbFFwZG5aWUcxZzVQcVA0NXJORHJzLXlFTFNhakNxa0RTaQ?oc=5) · The Business Journals
- 2026-06-24 [FirstBank acquisition marks a new banking era | Paul Batura - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMikwFBVV95cUxOVk90SDJmdDJxYjNjQ0UzcVo2dTFDMkh6UGNSc21ibzNhRGVqd1ZUS28zai13bFlZVzc2UTFNLUt0X3pHNXZDTTdOeGFEZTJWY0xIQlZBN0cycnRtQ0NUdzRCS0taT3RIam9xbXl3T1NPR0ZUbmt4bndza2lBNlQtVkhpcUJfUlFMc2xuNkZtMUJPQzg?oc=5) · Colorado Springs Gazette
- 2026-07-07 [PNC closing 14 Colorado bank branches after FirstBank transition - 9News](https://news.google.com/rss/articles/CBMizwFBVV95cUxNelF5Y1VZdmc2OWRVRDRqMmFGZ0N2SHlzdnlOU215Sm9mUG01dG4wVmRaeHgxMUp1dDFSZ0lrSmdQLVk2bkZqc29wNjliU0lPNy1SUVQtZVJhYzIzY3Y1ZWNiY29lZ0g4QXFCdWRSRU9xaFktak9IdWZVS2hJb21NdlZYdnhFY2c3Z3ZUZVNfYjhBeU9Zc2Naek1scE5aTElHTkpuSEhzVDVjemZkemxLV1FWVHcxRkdIbktLMG5OTUd2U29MZjNZWGpNU2dWT1U?oc=5) · 9News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18714 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "18714", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide