Under the Federal Community Reinvestment Act (CRA), the Comptroller of the Currency evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations.  The Comptroller also takes this record into account when deciding on certain applications submitted by us.

            Your involvement is encouraged.

            You are entitled to certain information about our operations and our performance under the CRA.  You may review today the public section of our most recent CRA evaluation, prepared by the Comptroller, and a list of services provided at this branch.  You may also have access to the following additional information, which we will make available to you at this branch within five calendar days after you make a request to us:  (1) A map showing the assessment area containing this branch, which is the area in which the Comptroller evaluates our CRA performance in this community; (2) information about our branches in this assessment area;  (3) a list of services we provide at those locations: (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically related to our CRA performance in this assessment area, and any responses we have made to those comments.  If we are operating under an approved strategic plan, you may also have access to a copy of the plan. 

If you would like to review information about our CRA performance in other communities served by us, the public file for our entire bank is available First National Bank of Hugo, located at 321 4^th Street, P.O. Box 158, Hugo, Colorado.

At least 30 days before the beginning of each quarter, the Comptroller publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter.  This list is available from the Deputy Comptroller, Western District Office, 1050 17^th Street, Suite 1500, Denver, Colorado 80265.  You may send written comments about our performance in helping to meet community credit needs to Shelly Lofdahl, Hugo Branch President, The First National Bank of Hugo, 321 4^th Street, P.O. Box 158, Hugo, Colorado  80821 or email at [email protected] and to the Deputy Comptroller, Western District Office, 1050 17^th Street, Suite 1500, Denver, Colorado 80265 or email at [email protected].  Your letter or email, together with any response by us, will be considered by the Comptroller in evaluating our CRA performance and may be made public.

            You may ask to look at any comments received by the Deputy Comptroller.  You may also request from the Deputy Comptroller an announcement of our applications covered by the CRA filed with the Comptroller. We are an affiliate of First Liberty Capital Corporation, a bank holding company.  You may request from the Federal Reserve Bank of Kansas City, 1 Memorial Dr., Kansas City, Missouri 64198 an announcement of applications covered by the CRA filed by bank holding companies. 

Branch – Limon, Colorado

Branch – Leadville, Colorado

The First National Bank of Hugo
321 4^th Street
P.O. Box 158
Hugo, Colorado  80821
Lincoln County – Tract 9618

Business Hours
Monday -Thursday 9:30-3:30
Friday 9:30-4:00 

 

 

The First National Bank of Hugo/Limon Branch
981 2^nd Street
P.O. Box 1270
Limon, Colorado  80828
Lincoln County – Tract 9617

Business Hours
Monday-Friday 8:00-5:00

 

 

First Mountain Bank a Division of the First National Bank of Hugo
409 Harrison Avenue
Leadville, Colorado  80461
Lake County – Tract 9617

Business Hours
Monday-Friday 8:00-5:00

24 Hour ATM Service at all locations

 

 

Bank Service Fees
Effective February 1, 2023

Cashier’s Checks (any amount)				$5.00 per Cashier’s Check
Bank Money Orders (up to $500.00)				$5.00 per Money Order
Wire Transfers – Outgoing (Domestic)				$25.00 per Wire Transfer
Wire Transfers – Outgoing (Foreign)				$50.00 per Wire Transfer
Loose Coin Counting Fee (Customers)				5% Fee of Amount Collected
Loose Coin Counting Fee (Non-Customer)				10% Fee of Amount Collected
Copies (Black & White)				$0.50 per page
Fax Machine				$5 plus $2 per page over 2 pages
ATM Transaction Fee (Non-Customer)				$3.00 per Transaction
Foreign ATM Access Fee				$1.00
Stop Payment				$20.00 per Stop Payment
Account Closing Fee (Accounts open less than 90 days)				$30.00
Deposit Item Returned				$3.00 per item
Overdraft Fee (Item Paid)*				$25.00 per item
Return Item Fee (Item Returned)*				$25.00 per item
Research Time (One Hour Minimum)				$20 per hour
Statement Reconciliation (One Hour Minimum)				$15 per hour
Safe Deposit Box Drilling (both keys lost)				Actual Cost
Safe Deposit Box Lost Key Fee				$50.00
Return Mail Fee (after 2nd Statement returned)				$5.00 per month
Card Replacement Fee				$10.00 per card
Garnishments & Levy Fee				$50.00
Dormant Account Fee				$5.00 per month
*Overdraft may occur by check, in person withdrawal, ATM withdrawal, or any other electronic means.

 

Safety Deposit Boxes

Hugo Facility			Limon Facility			Leadville Facility
Annual Fee ( Due Jan 15)			Annual Fee (Due Jan 15)			Annual Fee (Due Oct 31)
Size	Rate		Size	Rate		Size	Rate
2 ½ x 5	$15.00		3 x 5	$20.00		2 ½ x 4 ½	$24.00
3 ½ x 4 ½	$20.00		3 x 10 ½	$30.00		2 ½ x 10	$48.00
2 ½ x 10	$25.00		5 ¾ x 10 ½	$45.00		5 x 10	$60.00
5 x 5	$25.00		7 ½ x 10	$50.00		10 x 10	$84.00
5 ½ x 10	$35.00		10 ¾ x 10 ½	$65.00
9 x 10	$60.00