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The Eastern Colorado Bank
Cheyenne Wells, CO · FDIC Certificate #16125 · Chartered 03/0
Total assets
$720.86M
Total deposits
$603.05M
Total equity
$81.66M
Net loans
$448.43M
Branches (offices)
8
Net income (YTD)
$4.12M
Rank: #1,351 of 4,213 U.S. banks by assets · #13 of 63 in Colorado. Assets changed 5.6% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 10.62% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 11.33% |
| Tier 1 leverage ratio | 11.31% |
| Uninsured deposits (share of deposits) | 31.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 74.4% |
| Real estate loans (share of loans) | 75.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $336.43M | 75.0% | |
| Commercial & industrial | $21.14M | 4.7% | |
| Consumer / individual | $1.44M | 0.3% | |
| Construction & development | $33.27M | 7.4% | |
| Agricultural | $90.96M | 20.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $590.58M | $509.93M | $4.49M | $57.83M |
| Jun 2023 | $615.48M | $540.63M | $5.07M | $63.34M |
| Jun 2024 | $653.60M | $562.84M | $4.00M | $67.44M |
| Jun 2025 | $682.48M | $573.70M | $3.96M | $68.81M |
| Jun 2026 | $720.86M | $603.05M | $4.12M | $81.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $534.87M | 7 |
| Kansas | $68.18M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $603.05M.
Similar-sized banks
Prism Bank ($720.90M) · Union State Bank ($719.14M)
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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