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FirstBank
Lakewood, CO·FDIC Cert #18714·Charter: STATE·Est. 19630227.0·HC: REISHER FAMILY FOUNDATION
Total Assets
$26.5B
Q4 2025
Return on Assets
1.20%
-0.01%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.25%
Peer avg: 52.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.20%-0.01
ROE
18.89%-0.65
Efficiency
50.25%+0.84
Equity/Assets
0.00%+0.00
NPL Ratio
0.56%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
69.15%+0.55
Charge-offs
0.05%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.9 | 0.9 | 1.0 | 1.3 | 1.3 | 1.2 | 1.2 |
| ROE | 17.1 | 16.3 | 16.9 | 18.1 | 22.8 | 20.9 | 19.5 | 18.9 |
| Efficiency | 58.8 | 57.8 | 56.8 | 55.6 | 46.3 | 47.8 | 49.4 | 50.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.2 | 0.3 | 0.4 | 0.7 | 0.5 | 0.6 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 |
| Loan/Deposit | 66.1 | 67.4 | 67.2 | 67.0 | 66.4 | 67.1 | 68.6 | 69.1 |
Balance Sheet
Total Assets$26.5B
Total Deposits$23.1B
Total Loans$16.0B
Total Equity$1.9B
Profitability
ROA1.20%
ROE18.89%
Efficiency Ratio50.25%
Net Income$323.1M
Risk & Asset Quality
NPL Ratio0.56%
Charge-off Rate0.05%
Loan/Deposit69.15%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans