FirstBank (Lakewood, CO) (merged into PNC Bank)
FirstBank (Lakewood, CO) reported total assets of $29.4 bn at Q1 2026, its last Call Report before it merged into PNC Bank. The CET1 capital ratio at FirstBank (Lakewood, CO) was 11.15%, and the uninsured share of FirstBank (Lakewood, CO) was 30.50%. Source: FDIC Call Reports.
What sets FirstBank (Lakewood, CO) apart
Nothing in the latest data sets FirstBank (Lakewood, CO) apart from banks of its size: no ratio in the top or bottom tenth of its size group, no large rank move or year change, and no acquisition in the FDIC history since 2016. This page is kept out of search results until that changes.
How large is FirstBank (Lakewood, CO)?
The balance sheet of FirstBank (Lakewood, CO) at : assets $29.4 bn, deposits $23.2 bn, net loans $15.2 bn (loans equal to 65.78% of deposits). Securities make up 20.2% of total assets at FirstBank (Lakewood, CO). Since , when FirstBank (Lakewood, CO) held $16.0 bn, its assets grew 83.3%. In the year to , deposits at FirstBank (Lakewood, CO) fell 2.8% while its total assets rose 8.3%. At , FirstBank (Lakewood, CO) employed 2,443 full-time equivalent staff across 95 offices, about $12.0 mn of assets per employee and $243.9 mn of deposits per office.
How much funding at FirstBank (Lakewood, CO) is uninsured?
At FirstBank (Lakewood, CO), uninsured deposits (above the FDIC limit) made up 30.50% of domestic deposits at (+0.85 pp on a year earlier). In dollars, FirstBank (Lakewood, CO) estimated $7.1 bn of uninsured deposits.
Key facts, Q1 2026
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $23.2 bn | $23.8 bn (Q1 2025) | |
| Net loans and leases | $15.2 bn | $15.8 bn (Q1 2025) | |
| Loan-to-deposit ratio | 65.78% | 66.39% (Q1 2025) | |
| Tier 1 leverage ratio | 6.49% | 8.63% (Q1 2025) | |
| Total risk-based capital ratio | 11.37% | 16.75% (Q1 2025) | |
| Net interest margin | 3.85% | 2.70% (Q1 2025) | |
| Return on assets (ROA) | 0.79% | 1.34% (Q1 2025) | |
| Efficiency ratio | 63.99% | 46.29% (Q1 2025) | |
| Unrealized gain/loss on held-to-maturity securities | Loss of $16.0 mn | Narrowed by $56.2 mn | |
| Unrealized gain/loss on available-for-sale securities | Gain of $7.9 mn | Turned from a loss into a gain | |
| Noncurrent loans to total loans | 0.72% | 0.43% (Q1 2025) | |
| Net charge-offs to average loans | 0.05% | 0.03% (Q1 2025) |
US rank of FirstBank (Lakewood, CO): 1 = highest unless marked 1 = lowest.
Balance sheet
FirstBank (Lakewood, CO): assets, deposits and loans
- Total assets $29.4bn
- Deposits $23.2bn
- Net loans $15.2bn
Capital and securities
The CET1 ratio of FirstBank (Lakewood, CO) stood at 11.15% in , -4.47 pp year on year. Low and high at FirstBank (Lakewood, CO) since : 11.15% () to 16.10% (). Equity capital of FirstBank (Lakewood, CO) at : $4.6 bn, or 15.5% of total assets. FirstBank (Lakewood, CO) also reported a total capital ratio of 11.37% for , and a tier 1 leverage ratio of 6.49%.
On held-to-maturity securities, FirstBank (Lakewood, CO) carried an unrealized loss of $16.0 mn at , equal to 0.4% of equity capital. The loss narrowed by $56.2 mn over the year. Its deepest point: $234.1 mn in . The available-for-sale portfolio of FirstBank (Lakewood, CO) showed an unrealized gain of $7.9 mn at ; the gain turned from a loss into a gain over the year.
FirstBank (Lakewood, CO): capital ratios
- Total capital 11%
- CET1 11%
- Tier 1 leverage 6.5%
FirstBank (Lakewood, CO): unrealized securities gains and losses
- Available for sale $8mn
- Held to maturity -$16mn
Profitability and loan quality
For the year to , FirstBank (Lakewood, CO) earned a return on equity of 6.86%; return on assets: 0.79%. Net interest margin at FirstBank (Lakewood, CO): 3.85%, +1.15 pp in a year. FirstBank (Lakewood, CO) net income: $55.0 mn, down 39.7% year on year. The efficiency ratio of FirstBank (Lakewood, CO) was 63.99%: about 64 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 0.72% of total loans at FirstBank (Lakewood, CO); net charge-offs: 0.05% of average loans. Gross loans and leases at FirstBank (Lakewood, CO): $15.5 bn at , against $16.0 bn at .
FirstBank (Lakewood, CO): profitability
- Return on equity 6.9%
- Net interest margin 3.8%
- Return on assets 0.8%
Peer group of FirstBank (Lakewood, CO)
The peer group of FirstBank (Lakewood, CO) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of FirstBank (Lakewood, CO) (state member bank) and 0 have head offices in Colorado. Against them, FirstBank (Lakewood, CO) shows CET1 ratio 11.15% against a peer median of 12.32%, return on equity 6.86% against a peer median of 10.54% and uninsured deposit share 30.50% against a peer median of 40.70%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| BNY Mellon | National bank | PA | $30.9 bn | 15.57% | 7.06% | 53.69% | |
| Eastern Bank | State nonmember bank | MA | $30.6 bn | 12.29% | 6.46% | 39.93% | |
| Sallie Mae Bank | State nonmember bank | UT | $29.5 bn | 12.36% | 43.20% | 6.37% | |
| FirstBank | State member bank | CO | $29.4 bn | 11.15% | 6.86% | 30.50% | |
| City National Bank of Florida | National bank | FL | $28.6 bn | 14.39% | 11.41% | 51.49% | |
| Axos Bank | Federal savings bank | CA | $28.2 bn | 10.90% | 22.72% | 18.47% | |
| United Community Bank | State member bank | SC | $28.1 bn | 12.19% | 9.67% | 41.46% | |
. FDIC Call Reports.
Last eight quarters
Two years at FirstBank (Lakewood, CO), to : assets $27.3 bn to $29.4 bn, deposits $24.2 bn to $23.2 bn, equity $1.5 bn to $4.6 bn. Staff 2,419 to 2,443; offices 101 to 95.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $27.3 bn | $27.3 bn | $27.2 bn | $27.1 bn | $26.8 bn | $26.6 bn | $26.5 bn | $29.4 bn |
| Total deposits | $24.2 bn | $24.0 bn | $24.0 bn | $23.8 bn | $23.5 bn | $23.3 bn | $23.1 bn | $23.2 bn |
| Bank equity capital | $1.5 bn | $1.6 bn | $1.6 bn | $1.7 bn | $1.7 bn | $1.8 bn | $1.9 bn | $4.6 bn |
| CET1 ratio | 14.82% | 15.04% | 15.33% | 15.62% | 15.70% | 15.80% | 16.10% | 11.15% |
| Return on equity (ROE) | 16.28% | 16.86% | 18.12% | 22.75% | 20.88% | 19.54% | 18.89% | 6.86% |
| Uninsured share of domestic deposits | 28.53% | 28.75% | 29.54% | 29.65% | 30.34% | 30.45% | 30.57% | 30.50% |
| Full-time equivalent employees | 2,419 | 2,422 | 2,392 | 2,330 | 2,346 | 2,301 | 2,333 | 2,443 |
| Number of offices | 101 | 101 | 99 | 95 | 95 | 95 | 95 | 95 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of FirstBank (Lakewood, CO), oldest first; figures before and after each event are not like for like.
- . Merged into PNC Bank, National Association (FDIC certificate 6384).
Questions and identifiers
What were the total assets of FirstBank (Lakewood, CO)?
FirstBank (Lakewood, CO) reported $29.4 bn at in its Call Report.
Is FirstBank (Lakewood, CO) the same as its holding company?
No. This page covers FirstBank (Lakewood, CO), FDIC certificate 18714; PNC FINL SERVICES GROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is FirstBank (Lakewood, CO) profitable?
FirstBank (Lakewood, CO) reported net income of $55.0 mn for the year to ; annualized return on equity: 6.86%. So yes: FirstBank (Lakewood, CO) made a profit over these months.
When is data for FirstBank (Lakewood, CO) next updated?
FirstBank (Lakewood, CO) no longer files Call Reports; its data ends at .
Where can I check the figures for FirstBank (Lakewood, CO)?
In the FDIC BankFind Suite record for certificate 18714, and in the Call Reports of FirstBank (Lakewood, CO) (RSSD ID 288853) at the FFIEC Central Data Repository.