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Lender record

First National Bank, Cortez

The real lending record — every figure from funded deals. HQ: 2258 E Main St, Cortez, CO. 1 branch.

4

Recent deals (FY20+)

$541K

Typical deal

—

Approval → funding

Where First National Bank, Cortez lends

Deal profile

Most First National Bank, Cortez deals land between $227K and $700K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

1.Beauty Salons (1)
2.Sports and Recreation Instruction (1)
3.Full-Service Restaurants (1)
4.Computer Systems Design Services

(1)

Most active states

1.Colorado (4 deals)

Can First National Bank, Cortez fund you? The bank behind the loans

Total assets

$156.0M

▲ 2.4% vs prior quarter

Deposits on hand

$136.9M

▲ 3.5% vs prior quarter

Loans outstanding

$98.4M

▲ 1.8% vs prior quarter

Net income (latest qtr)

$25K

•An active SBA program (~0.5% of the book in this year's production) — they know the process, but SBA isn't the main event. Ask who runs their SBA desk before committing your timeline. That makes First National Bank, Cortez more SBA-focused than 69% of the banks on our record.
•Deposits grew last quarter — more raw lending capacity than the quarter before.
•Return on assets of 0.06% — well under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

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Get in touch with First National Bank, Cortez

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Walk into a First National Bank, Cortez branch (1)

First National Bank, CortezMain office2258 E Main StCortez, CO 81321 · since 1958

Branch data: FDIC BankFind.

Recent deals

Monrose & Co. LLC in Cortez, CO — $541K (2026) · Beauty Salons
Program
7a General
Rate at approval
7.75% variable
Term
276 mo (23 yrs)
SBA guaranteed
$406K (75%)
Approved
3/6/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Beauty Salons
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Off the Bench LLC in Cortez, CO — $100K (2024) · Sports and Recreation Instruction
Program
7a General
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$85K (85%)
Approval → funding
36 days
Approved
4/17/2024
First disbursed
5/23/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Shiloh Inc in Cortez, CO — $700K (2022) · purchase · Full-Service Restaurants
Program
7a General
Rate at approval
5.25% fixed
Term
288 mo (24 yrs)
SBA guaranteed
$525K (75%)
Approval → funding
25 days
Approved
7/18/2022
First disbursed
8/12/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Bennetts Technologies, Inc. in Cortez, CO — $227K (2022) · Computer Systems Design Services
Program
7a General
Rate at approval
6% variable
Term
108 mo (9 yrs)
SBA guaranteed
$170K (75%)
Approval → funding
38 days
Approved
11/26/2021
First disbursed
1/3/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses First National Bank, Cortez financed

4 businesses on record. Each links to its full SBA record.

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DealRoom analysis of public lending records, FY2020–present. Not affiliated with First National Bank, Cortez.

AI summary

First National Bank, Cortez is an SBA lender tracked by DealRoom.so SBA Intelligence, with lending activity broken down by state, industry, and loan size from public records. DealRoom is not a lender.

Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.

Find the bank most likely to fund your deal

First National Bank, Cortez is one of 1,000+ SBA lenders on record — and they all have different appetites. Tell us your deal size, industry, and location, and we'll point you to the banks that fund deals like yours.

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I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision.

Business age

Startup, Loan Funds will Open Business

Industry

Sports and Recreation Instruction

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Business age

Change of Ownership

Industry

Full-Service Restaurants

If you were the buyer here

Est. deal size: $778K
Est. down payment (10%): $78K
Est. cash at closing: $104K
Monthly payment: $4,280
Annual debt service: $51K
Cash flow needed (1.25×): $64K

Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.

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3

Business age

Existing or more than 2 years old

Industry

Computer Systems Design Services

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