FirstBank of Northern Colorado

Headquarters

1013 East Harmony Road
Fort Collins, CO 80525
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

FirstBank of Northern Colorado is an FDIC insured institution located in Fort Collins, CO. It was founded in 1993 and has approximately $0.46 billion in assets.

FDIC Insured Yes
FDIC Certificate # 33799
Date Established 1993
Assets $ 463.23 million
Loans $ 326.45 million
Deposits $ 408.48 million
Capital $ 31.36 million
 

For a more detailed analysis of FirstBank of Northern Colorado's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111

 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for FirstBank of Northern Colorado

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - California 30 Year Fixed Mortgage Rates 2021

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Payment
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NMLS ID: 1429243
2.654% 2.625%
0.38 points
$960 fees
$1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

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BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
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Third Federal Savings and Loan
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2.240 %
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Note to FirstBank of Northern Colorado
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Branches

FirstBank of Northern Colorado branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


FirstBank of Northern Colorado Locations


Financial Details

FirstBank of Northern Colorado Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FirstBank of Northern Colorado. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
FirstBank of Northern Colorado U.S. Bank Average
3.86% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, FirstBank of Northern Colorado had $892,000 in non-current loans and $505,000 in owned real estate. To cover these potential losses it had $31,364,000 in equity and $4,801,000 in loans loss reserves. That gives it a Texas Ratio of 3.86%.

Return on Equity
FirstBank of Northern Colorado U.S. Bank Average
22.47% 11.43%

FirstBank of Northern Colorado has a Return on Equity of 22.47% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
FirstBank of Northern Colorado U.S. Bank Average
6.77% 11.51%

FirstBank of Northern Colorado has a Capitalization of 6.77% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

FirstBank of Northern Colorado Balance Sheet Analysis

As of November 30, -0001, FirstBank of Northern Colorado had assets of $463,230,000, loans of $326,450,000, and deposits of $408,476,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 326.45 million
Loan loss allowance $ 4.80 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.51 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 408.48 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 463.23 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in FirstBank of Northern Colorado’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, FirstBank of Northern Colorado’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Firstbank Of Northern Colorado

Branches and Savings

Is Firstbank Of Northern Colorado FDIC insured?

Yes. It is covered under FDIC Certificate #33799.

Why does Firstbank Of Northern Colorado pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Firstbank Of Northern Colorado CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Firstbank Of Northern Colorado a commercial bank?

Yes

Where are Firstbank Of Northern Colorado locations?

See branch locations nearby.

Is Firstbank Of Northern Colorado open on Saturdays?

Is Firstbank Of Northern Colorado open on Sundays?

What time does Firstbank Of Northern Colorado open?

What time does Firstbank Of Northern Colorado close?

Are Firstbank Of Northern Colorado ATMs Open 24/7?

Do Firstbank Of Northern Colorado ATMs accept cash deposits?

Can Firstbank Of Northern Colorado customers use other ATMs?

Do Firstbank Of Northern Colorado branches have notaries?

Will Firstbank Of Northern Colorado notarize my document?

What address for Firstbank Of Northern Colorado should I put for incoming ACH transfers?

Will the Firstbank Of Northern Colorado branch print checks?

Do Firstbank Of Northern Colorado checks expire?

Does Firstbank Of Northern Colorado require US citizenship to open account?

Can Firstbank Of Northern Colorado close my account?

Does Firstbank Of Northern Colorado Report to credit bureaus?

Does Firstbank Of Northern Colorado Use Equifax?

What is Firstbank Of Northern Colorado's ACH Routing Number?

What is Firstbank Of Northern Colorado's SWIFT code?

Products

Does Firstbank Of Northern Colorado offer mortgages?

Compare mortgage rates here.

Does Firstbank Of Northern Colorado offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Firstbank Of Northern Colorado offer personal loans?

Compare personal loan rates here.

Does Firstbank Of Northern Colorado offer student loans?

Will Firstbank Of Northern Colorado cash a check?

Will Firstbank Of Northern Colorado redeem a savings bond?

Does Firstbank Of Northern Colorado cash savings bonds?

Will Firstbank Of Northern Colorado cash money orders?

Can Firstbank Of Northern Colorado issue a money order?

Does Firstbank Of Northern Colorado do currency exchange?

Background on The Bank

Who owns Firstbank Of Northern Colorado?

How long has Firstbank Of Northern Colorado been around?

Can Firstbank Of Northern Colorado transfer to other banks?

Does Firstbank Of Northern Colorado have quick pay?

Does Firstbank Of Northern Colorado accept rolled coins?

Will Firstbank Of Northern Colorado accept loose change?

Where is Firstbank Of Northern Colorado headquarters?

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