First National Bank, Cortez is a bank based in Cortez, Colorado, established in 1958, with $156 million in total assets across 1 branch. By Trust Grade it ranks 53rd of 64 banks we track in Colorado. Its capital ratio of 9.0% trails most similarly sized banks (29th percentile), versus a Colorado median of 10.8%. It was profitable over the most recent period, with a 0.06% return on assets. No consumer complaints against First National Bank, Cortez appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First National Bank, Cortez compares to Colorado peers
How we graded First National Bank, Cortez
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.0% capital ratio)
- Profitable (ROA 0.06%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First National Bank, Cortez over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 2258 E Main St, Cortez, CO 81321
Are deposits at First National Bank, Cortez insured?
Yes. First National Bank, Cortez is an FDIC-insured bank (FDIC certificate #17872). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First National Bank, Cortez: frequently asked questions
Is First National Bank, Cortez a good bank?
First National Bank, Cortez earns a Bankzia Trust Grade of B (87/100, "Strong"), based on a financial-strength score of 87/100 (it has no CFPB complaints on record). Well-capitalized (9.0% capital ratio); Profitable (ROA 0.06%).
Is First National Bank, Cortez FDIC-insured?
Yes. First National Bank, Cortez is a FDIC-insured bank (FDIC certificate #17872). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First National Bank, Cortez?
First National Bank, Cortez holds $156 million in total assets, ranking 53rd of 64 banks we track in Colorado. It operates 1 branch.
Does First National Bank, Cortez have CFPB complaints?
No CFPB complaints against First National Bank, Cortez appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
