FDIC Cert #3019 · Florence, Colorado · Est. 1900

Rocky Mountain Bank & Trust - FDIC Bank Health Profile

A community-scale look at Rocky Mountain Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$124M
Total assets
A
Health grade · Excellent
2.00%
Return on assets
13.1%
Tier 1 capital

Data updated July 2026

The verdict

Rocky Mountain Bank & Trust earns a PlainBankData health grade of A (88/100), with well-capitalized at 13.08% Tier 1, profitable at 2.00% ROA, efficient (55% cost ratio).

#3,555
largest of 4,313 FDIC banks by assets
18th
percentile by asset size, nationally
13.08%
Tier 1 ratio - above the 10% well-capitalized line
91st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 3019 · CO A · 88/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • MID-PACK #1100/4307
  • PHOTO-FINISH The Brady National B… · TX
  • TIER1-WELL 13.1% Tier 1
  • TEXAS-CLEAN 7.2% Texas
  • ROA-STRONG 2.00% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Colorado: The Brady National Bank, TX (±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 Rocky Mountain Bank & Trust

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

Morgan Stanley Bank,… · UT ·…100/100Ciera Bank · TX · near88/100Friend Bank · AL · near88/100Rocky Mountain Bank… · CO · …88/100The Brady National B… · TX ·…88/100The First Bank of Ce… · TX ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Rocky Mountain Bank & Trust · July 2026

Call Report read for Rocky Mountain Bank & Trust in a high-failure state

Rocky Mountain Bank & Trust (FDIC Cert #3019) carries a PlainBankData health grade of A at 88/100, 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 #1,100 of 4,307. Tier 1 capital prints at 13.08%, clearing the 10% well-capitalized line. The Texas Ratio is 7.23%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.00%. Balance-sheet scale is $124M, 3,555th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Brady National Bank (TX), 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 Rocky Mountain Bank & Trust

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

Rocky Mountain Bank & Trust 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 Rocky Mountain Bank & Trust'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 Rocky Mountain Bank & Trust's 88/100 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 avg77/10088/100
Rocky Mountain Bank & Trust's composite health score
Tier 1 Capital Ratio (13.08%) 35/40
Return on Assets (ROA) (2.00%) 25/25
Texas Ratio (7.23%) 16/20
Efficiency Ratio (55.44%) 12/15

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

Balance sheet at a glance

Total Assets

$124M

Total balance-sheet footings

Total Deposits

$108M

Customer-funded liabilities

Net Loans

$65M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.68% 13.08% 14.48%
Basel III capital ratios - Rocky Mountain Bank & Trust

Where Rocky Mountain Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Rocky Mountain Bank & Trust's score of 88/100 falls in the highlighted band.

Rocky Mountain Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 26% higher than 74% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Rocky Mountain Bank & Trust 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

Rocky Mountain Bank & Trust'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). Rocky Mountain Bank & Trust's $124M falls in the highlighted band.

Capital & credit buffers at Rocky Mountain Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

13.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.08%
Texas Ratio
7.23%
Equity Capital
$15M

What these ratios mean →

Earnings posture at Rocky Mountain Bank & Trust

Return on Assets (ROA)
91st percentile nationally
2.00%
Return on Equity (ROE)
17.75%
Efficiency Ratio
55.44%

What these mean →

Income & expense at Rocky Mountain Bank & Trust

$6M
Interest Income
$676K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Rocky Mountain Bank & Trust reports a Texas Ratio of 7.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Rocky Mountain Bank & Trust 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 ($124M here), outside Colorado so the neighborhood is not state containment.

Bison State Bank $124M · KS The Riley State Bank of Riley, Kansas $123M · KS Connect Bank $124M · AR Farmers and Merchants Savings Bank $123M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Rocky Mountain Bank & Trust (FDIC Cert #3019) - 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.

Rocky Mountain Bank & Trust 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%