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

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
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