Colorado Bank and Trust Company of La Junta, The
La Junta, CO · Cert 1141 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Grinnell Bancshares Inc.
State charter, Fed member · FED · 1 affiliate bank · 5 branches (9 in holding)
Q2 2026
$330.3MAssets
$268.5MLoans
$280.4MDeposits
$36.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 94% of banks under $1B in assets operating in a single state (rank 42 of 746).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets operating in a single state (rank 664 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.21%
Rank 292 of 746
Net Interest Margin
4.87%
Rank 42 of 746
Efficiency Ratio
67.69%
Rank 429 of 746
Equity / Assets
11.17%
Rank 308 of 746
Non-interest income vs. expense
Unfavorable gap of $10.0M · efficiency ratio beats 43% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.72% | 1.06% | 1.45% | Beats 61% | 292 / 746 | |
| Return on Equity | 10.85% | 6.74% | 10.51% | 13.63% | Beats 53% | 347 / 746 | |
| Net Interest Margin | 4.87% | 3.17% | 3.68% | 4.16% | Beats 94% | 42 / 746 | |
| Efficiency Ratio | 67.69% | 55.74% | 64.58% | 75.47% | Beats 43% | 429 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.09% | 0.42% | 1.07% | Beats 59% | 304 / 743 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 25% | 560 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.33% | 11.55% | 13.75% | 17.60% | Beats 12% | 656 / 746 | |
| Total Risk-Based Capital Ratio | 10.33% | 11.71% | 14.33% | 18.43% | Beats 11% | 664 / 746 | |
| Equity / Assets | 11.17% | 8.90% | 10.51% | 13.06% | Beats 59% | 308 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 95.74% | 61.31% | 78.27% | 90.78% | 85th pctl | 109 / 746 | |
| Loans / Assets | 81.27% | 53.60% | 66.97% | 76.08% | 88th pctl | 89 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |