FDIC Cert #28208 · Alamosa, Colorado · Est. 1899

San Luis Valley Federal Bank - FDIC Bank Health Profile

A community-scale look at San Luis Valley Federal Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$393M
Total assets
A
Health grade · Excellent
1.15%
Return on assets
28.3%
Tier 1 capital

Data updated July 2026

The verdict

San Luis Valley Federal Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 28.27% Tier 1, profitable at 1.15% ROA, 68% efficiency ratio.

#2,105
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
28.27%
Tier 1 ratio - above the 10% well-capitalized line
53rd
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 28208 · CO A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #983/4307
  • PHOTO-FINISH Home Savings Bank · KS
  • TIER1-WELL 28.3% Tier 1
  • TEXAS-CLEAN 0.8% Texas
  • ROA-PAR 1.15% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Colorado: Home Savings Bank, KS (±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 San Luis Valley Federal Bank

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

Morgan Stanley Bank,… · UT ·…100/100Fairview Savings and… · OK ·…88/100First Federal Saving… · IL ·…88/100Home Savings Bank · KS · near88/100San Luis Valley Fede… · CO ·…88/100The Cincinnatus Savi… · OH ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around San Luis Valley Federal Bank · July 2026

Call Report read for San Luis Valley Federal Bank in a high-failure state

San Luis Valley Federal Bank (FDIC Cert #28208) 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 #983 of 4,307. Tier 1 capital prints at 28.27%, clearing the 10% well-capitalized line. The Texas Ratio is 0.76%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.15%. Balance-sheet scale is $393M, 2,105th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Home Savings Bank (KS), 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 San Luis Valley Federal Bank

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

San Luis Valley Federal 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 San Luis Valley Federal 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 San Luis Valley Federal Bank'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
San Luis Valley Federal Bank's composite health score
Tier 1 Capital Ratio (28.27%) 40/40
Return on Assets (ROA) (1.15%) 20/25
Texas Ratio (0.76%) 20/20
Efficiency Ratio (68.39%) 8/15

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

Balance sheet at a glance

Total Assets

$393M

Total balance-sheet footings

Total Deposits

$324M

Customer-funded liabilities

Net Loans

$278M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 26.87% 28.27% 29.67%
Basel III capital ratios - San Luis Valley Federal Bank

Where San Luis Valley Federal Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. San Luis Valley Federal Bank's score of 88/100 falls in the highlighted band.

San Luis Valley Federal Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 23% higher than 77% 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. San Luis Valley Federal 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

San Luis Valley Federal 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). San Luis Valley Federal Bank's $393M falls in the highlighted band.

Capital & credit buffers at San Luis Valley Federal Bank

Tier 1 capital ratio
Well-capitalized 10%

28.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
28.27%
Texas Ratio
0.76%
Equity Capital
$65M

What these ratios mean →

Earnings posture at San Luis Valley Federal Bank

Return on Assets (ROA)
53rd percentile nationally
1.15%
Return on Equity (ROE)
7.14%
Efficiency Ratio
68.39%

What these mean →

Income & expense at San Luis Valley Federal Bank

$17M
Interest Income
$3M
Non-Interest Income
$13M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. San Luis Valley Federal Bank reports a Texas Ratio of 0.76% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.76% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View San Luis Valley Federal 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 ($393M here), outside Colorado so the neighborhood is not state containment.

Bank of the Bluegrass and Trust Compa… $393M · KY Farmers State Bank $393M · MO Heritage Bank $393M · MN First National Bank of Clarksdale $393M · MS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) San Luis Valley Federal Bank (FDIC Cert #28208) - 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.

San Luis Valley Federal 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%