Total Assets
$533M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$437M
Customer-funded liabilities
Net Loans
$444M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
40th percentile nationally
0.96%
Return on Equity (ROE)
11.40%
Efficiency Ratio
70.90%
What the numbers say about High Country Bank
High Country Bank is an FDIC-insured institution (Certificate #29783) headquartered in Salida, Colorado, established in 1886. It holds $533M in total assets - 1,712th of 4,313 FDIC-insured banks, $437M in customer deposits, and $444M in net loans. On safety, its Tier 1 capital ratio of 9.30% is below the 10% well-capitalized threshold, and its Texas Ratio of 10.33% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (52/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Colorado, High Country Bank ranks 20th of 65 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Colorado by total assets
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.
Other banks in Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is High Country Bank's health grade?▼
High Country Bank receives a health grade of C (52/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is High Country Bank?▼
High Country Bank holds $533M in total assets and $437M in deposits, ranking 1,712th of 4,313 FDIC-insured banks by asset size. It is headquartered in Salida, Colorado.
Is my money safe at High Country Bank?▼
Yes, deposits at High Country Bank (Certificate #29783) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is High Country Bank's Tier 1 Capital Ratio?▼
High Country Bank has a Tier 1 Capital Ratio of 9.30%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for High Country Bank?▼
High Country Bank has a Texas Ratio of 10.33%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is High Country Bank?▼
High Country Bank has an Efficiency Ratio of 70.90%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read High Country Bank's profile as a depositor or analyst.
- High Country Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare High Country Bank against other Colorado banks before moving funds. Colorado banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.