State Bank, The
La Junta, CO · Cert 1778 · Peer group: banks under $1B in assets operating in a single state (n=815-821)
FDIC · 5 branches
Q4 2025
$145.0MAssets
$74.2MLoans
$118.7MDeposits
$26.0MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets operating in a single state (rank 503 of 821).
- Widest gap: nonperforming loans / loans trails 57% of banks under $1B in assets operating in a single state (rank 466 of 815).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.13%
Rank 37 of 821
Net Interest Margin
4.03%
Rank 200 of 821
Efficiency Ratio
48.66%
Rank 68 of 821
Equity / Assets
17.92%
Rank 66 of 821
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 92% 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 | 2.13% | 0.60% | 0.92% | 1.29% | Beats 95% | 37 / 821 | |
| Return on Equity | 11.88% | 5.53% | 9.01% | 12.39% | Beats 72% | 230 / 821 | |
| Net Interest Margin | 4.03% | 2.96% | 3.47% | 4.01% | Beats 76% | 200 / 821 | |
| Efficiency Ratio | 48.66% | 58.51% | 67.52% | 77.71% | Beats 92% | 68 / 821 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.07% | 0.39% | 1.09% | Beats 43% | 466 / 815 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 31.82% | 11.57% | 13.96% | 18.25% | Beats 94% | 48 / 821 | |
| Total Risk-Based Capital Ratio | 33.08% | 11.91% | 14.63% | 18.88% | Beats 94% | 46 / 821 | |
| Equity / Assets | 17.92% | 8.73% | 10.33% | 12.96% | Beats 92% | 66 / 821 | |
| Liquidity & Funding |
| Loans / Deposits | 62.54% | 61.85% | 77.93% | 91.10% | 26th pctl | 605 / 815 | |
| Loans / Assets | 51.21% | 53.55% | 66.75% | 76.60% | 20th pctl | 648 / 815 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.16% | Beats 100% | 503 / 821 | |