FDIC Cert #29783 · Salida, Colorado · Est. 1886

High Country Bank - FDIC Bank Health Profile

A community-scale look at High Country Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$533M
Total assets
C
Health grade · Fair
0.96%
Return on assets
9.3%
Tier 1 capital

Data updated July 2026

The verdict

High Country Bank earns a PlainBankData health grade of C (52/100), with 9.30% Tier 1 capital, 0.96% ROA, 71% efficiency ratio.

#1,712
largest of 4,313 FDIC banks by assets
60th
percentile by asset size, nationally
9.30%
Tier 1 ratio - below the 10% well-capitalized line
40th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 29783 · CO C · 52/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (52/100)
  • BOTTOM-DECILE #4075/4307
  • PHOTO-FINISH The Peoples Savings… · OH
  • TIER1-ADEQ 9.3% Tier 1
  • TEXAS-CLEAN 10.3% Texas
  • ROA-PAR 0.96% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Colorado: The Peoples Savings Bank, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around High Country Bank

Lowest and highest poles plus nearest scored peers outside Colorado, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Balboa Thrift and Lo… · CA ·…52/100First Federal Bank &… · WY ·…52/100High Country Bank · CO · thi…52/100Spectra Bank · TX · near52/100The Peoples Savings… · OH · …52/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around High Country Bank · July 2026

Call Report read for High Country Bank in a high-failure state

High Country Bank (FDIC Cert #29783) carries a PlainBankData health grade of C at 52/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,075 of 4,307. Tier 1 capital prints at 9.30%, missing the 10% well-capitalized line. The Texas Ratio is 10.33%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.96%. Balance-sheet scale is $533M, 1,712th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Peoples Savings Bank (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around High Country Bank

10 FAILURE resolutions in Colorado since 2000, heavy vs the state corpus

High Country Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about High Country Bank's current Call Report.

  • PREMIER BANK DENVER, CO 2015 → UNITED FIDELITY BANK, FSB
  • COLORADO CAPITAL BANK CASTLE ROCK, CO 2011 → FIRST-CITIZENS BANK & TRUST COMPANY
  • SIGNATURE BANK WINDSOR, CO 2011 → POINTS WEST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Colorado banks.

How High Country Bank's 52/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10052/100
High Country Bank's composite health score
Tier 1 Capital Ratio (9.30%) 18/40
Return on Assets (ROA) (0.96%) 14/25
Texas Ratio (10.33%) 16/20
Efficiency Ratio (70.90%) 4/15

52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$533M

Total balance-sheet footings

Total Deposits

$437M

Customer-funded liabilities

Net Loans

$444M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.9% 9.3% 10.7%
Basel III capital ratios - High Country Bank

Where High Country Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. High Country Bank's score of 52/100 falls in the highlighted band.

High Country Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

52 5th percentile higher than 5% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. High Country Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

High Country Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). High Country Bank's $533M falls in the highlighted band.

Capital & credit buffers at High Country Bank

Tier 1 capital ratio
Well-capitalized 10%

9.30% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.30%
Texas Ratio
10.33%
Equity Capital
$48M

What these ratios mean →

Profitability metrics: High Country Bank

Return on Assets (ROA)
40th percentile nationally
0.96%
Return on Equity (ROE)
11.40%
Efficiency Ratio
70.90%

What these mean →

Income & expense at High Country Bank

$30M
Interest Income
$2M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. High Country Bank reports a Texas Ratio of 10.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

10.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View High Country Bank on FDIC BankFind →

Top banks in Colorado by total assets

Largest banks headquartered in Colorado
  1. 1
    FirstBank $26.5B

    Lakewood, CO · Grade A

  2. 2
    NBH Bank $9.8B

    Greenwood Village, CO · Grade A

  3. 3
    Bank of Colorado $7.7B

    Fort Collins, CO · Grade A

  4. 4
    Alpine Bank $6.9B

    Glenwood Springs, CO · Grade A

  5. 5
    First Western Trust Bank $3.2B

    Denver, CO · Grade C

Top 5 banks in Colorado ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($533M here), outside Colorado so the neighborhood is not state containment.

Security Savings Bank $533M · SD Merchants & Farmers Bank & Trust Comp… $533M · LA Portage Community Bank $533M · OH KodaBank $534M · ND

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) High Country Bank (FDIC Cert #29783) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

High Country Bank Call Report profile · FDIC Failed Bank List · Colorado FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Colorado

All Colorado banks →
BankAssetsGradeROA
FirstBankLakewood $26.5B A 1.20%
NBH BankGreenwood Village $9.8B A 1.18%
Bank of ColoradoFort Collins $7.7B A 1.07%
Alpine BankGlenwood Springs $6.9B A 1.16%
First Western Trust BankDenver $3.2B C 0.51%
ANB BankDenver $3.0B B 0.81%
Colorado Federal Savings BankGreenwood Village $2.7B A 0.57%
Solera National BankLakewood $1.6B B 1.86%