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High Country Bank
Salida, CO · FDIC Certificate #29783 · Chartered 01/0
Total assets
$528.48M
Total deposits
$450.49M
Total equity
$49.08M
Net loans
$440.51M
Branches (offices)
5
Net income (YTD)
$2.87M
Rank: #1,721 of 4,213 U.S. banks by assets · #20 of 63 in Colorado. Assets changed 2.9% and deposits 6.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 11.82% |
| Net interest margin (YTD) | 4.72% |
| Equity to assets | 9.29% |
| Tier 1 leverage ratio | 9.62% |
| Uninsured deposits (share of deposits) | 20.7% |
| Noncurrent loans (share of loans) | 1.34% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 97.8% |
| Real estate loans (share of loans) | 95.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $419.11M | 95.1% | |
| Commercial & industrial | $19.78M | 4.5% | |
| Consumer / individual | $1.72M | 0.4% | |
| Construction & development | $60.05M | 13.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $456.17M | $414.45M | $1.78M | $38.65M |
| Jun 2023 | $440.38M | $375.24M | $2.19M | $39.43M |
| Jun 2024 | $481.29M | $390.65M | $1.34M | $40.32M |
| Jun 2025 | $513.64M | $423.98M | $2.28M | $42.52M |
| Jun 2026 | $528.48M | $450.49M | $2.87M | $49.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $450.48M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $450.48M.
Similar-sized banks
First Secure Community Bank ($528.76M) · Entrebank ($527.15M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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