# FIRST PIONEER NATIONAL BANK
WRAY, CO · FDIC certificate 3063 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $243.4M | |
| Deposits | $205.5M | |
| Loans and leases | $130.5M | |
| Total equity | $29.5M | |
| Loans / deposits | 62.81% (p34 of band) | 73.59% |
| Liquid assets / assets | 44.55% (p71 of band) | |
| Uninsured deposits / deposits | 30.76% (p83 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.91% (p64 of band) | |
| FHLB advances / assets | 2.05% | |
| Tier 1 leverage | 12.53% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -8.85% (p43 of band) | -6.57% |
| AOCI / equity | -1.28% (p21 of band) | |
| ROA (annualized) | 1.08% (p45 of band) | 1.17% |
| Net interest margin | 3.19% (p18 of band) | 3.93% |
| Efficiency ratio | 58.40% (p31 of band) | |
| Noncurrent loans | 2.79% (p91 of band) | 0.36% |
| Net charge-offs (annualized) | 0.06% (p82 of band) | |
| Reserve coverage of noncurrent | 38.61% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 6.47% (p32 of band) | |
| Auto loans | $5.2M (3.98% of loans; DQ 0.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, NIM <2.5% |  |
| 2012-06 | 2 |  | NIM <2.5% |
| 2012-09 | 0 |  | reserve under noncurrent, capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 0 |  | capital falling, NIM <2.5% |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | assets shrinking |  |
| 2014-06 | 0 |  | assets shrinking |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | NIM <2.5% |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 5 | deposits shrinking, assets shrinking |  |
| 2023-09 | 3 |  | deposits shrinking, assets shrinking |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 4 | NIM <2.5%, uninsured deposits leaving |  |
| 2024-06 | 4 | securities losses >30% of equity | uninsured deposits leaving |
| 2024-09 | 3 |  | securities losses >30% of equity |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | NIM <2.5% |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2021-02-04 [Robert C. Gunnon Obituary Feb 4, 2021 - Macken Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiakFVX3lxTE1JbXFabXNCRkVrLXJaU19mX0haQTRTU2FSTFNSblJwUkNxY1dST0FJNXhQSHB5b0xSeEJTNVdwS2RiV0dORF9WSmVaekNrMmlhc2ZRVm40VHRfN2RLdGlpcXVtWmVIZVVnaEE?oc=5) · Macken Funeral Home &amp; Cremation Services
- 2026-02-15 [Broderick Aaron Highberger Obituary Jan 4, 2024 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMiekFVX3lxTE9oWHlNWkRObjl5Sms4eVc1M1F3eElYMFU5TWlZUENOcXgtT3VfdkVlSG5XblhhOWRaemwzZTA3MzhHRGhVZXdsX0JPTTd3bXFESk9Bb3JyeGphMkh2OHlPWWVpRlhwR1VfeWlnelFkZUttdDFhZWJfSlR3?oc=5) · Jones Family Funeral Home
- 2009-11-19 [Brush, Akron banks merge - The Fort Morgan Times](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9EdTRjak9wS08yajhwU0lhajdkUkJ1SXBKdmZGb2Q4eEh4Y1ZSeWJsRDVQZTVnTURjczRFY0thMXpmUEZfNnpLbDdkdjBjNXpMUG14cnZyTQ?oc=5) · The Fort Morgan Times
- 2017-08-23 [Looking back on 75 years of service - holyokeenterprise.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE41dEVqdUpkRk9yWUFKcUtYeV9qWkZjMXlnRjZmRUZNZ3JIT29SeHgtWHhnRFd2YkdyNGxvWm83LWRiZ00zNFpzRkMzZUREQm01NUgwWF9tenpzYmxvbUZTT0hKM2ZCS0tRTGNXNTdiQ3NzNWlBc1JKcw?oc=5) · holyokeenterprise.com
- 2026-02-07 [Summer Rose Pfarr (No Services) Obituary Jul 12, 2022 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMif0FVX3lxTFA3Yk83d1ZRUE1iSmNHTXpuM01DOUQ0aVQ1aVBRWFUtZEo1MDlRN0hydjR5eGNsRHl1Qm5pbHNBcEFHNy1nZndDM1FYVGdXaFhIcmRPZUd4QTNwSW1LOWVERXdzYmxnSk9HZUF5b1lDVmQwcjBISnFCbnNudHhSRFE?oc=5) · Jones Family Funeral Home
- 2022-09-21 [Zachary Luke Jackson - longmontleader.com](https://news.google.com/rss/articles/CBMiekFVX3lxTFBzRkNTajhVdnpPQnJvUWxtOFU0cC1rQTdLeXBkWFFyandBc1R1eEtvVEgtVHBvY0hIQVVhYmRFdTlRUmQwOGtMS2NTcC1ib0x1U3cwRWZGOUNsSVdCUG9TS0pkY01NRnp0MnBNN2JZOHY1amJMNi05OUpn?oc=5) · longmontleader.com
- 2020-03-26 [Robert "Bob" Uhl Hansen Obituary Mar 26, 2020 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTFBhXzNCVFNuV0R6WUhZbU94aEVuOVFPZ2JfZG1MOFNqUGNQQlgzLVBLVE9iQ2JkYm5VYUxGS3d2Q2t4NHk1QjFQbkRHajh3R3JkTzhzMVZZclNfT3AxRGdBQTk1TE5EMl9aYm1RbzFHc3FTMG1KTUE?oc=5) · Jones Family Funeral Home
- 2017-12-15 [Bradley Ray Sharp Obituary Dec 15, 2017 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTFBuZThQSjZwczNHbEpmRXF5X0JYTElRMnhLMTFIejFzNWlxNWJseWlhMFhEMUlEQ0Q1OWRNOXZtNExBeWFVVnZ5dm01OWNiaVZjSWhQYU9FYTliOW1uR3BVUnlJcVE4dEh2Wl9Gb0R1UDA?oc=5) · Jones Family Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3063 (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/55.json (key "3063", 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