FDIC Cert #1141 · La Junta, Colorado · Est. 1907

The Colorado Bank and Trust Company of La Junta - FDIC Bank Health Profile

A community-scale look at The Colorado Bank and Trust Company of La Junta's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$316M
Total assets
A
Health grade · Excellent
1.60%
Return on assets
11.1%
Tier 1 capital

Data updated July 2026

The verdict

The Colorado Bank and Trust Company of La Junta earns a PlainBankData health grade of A (81/100), with well-capitalized at 11.07% Tier 1, profitable at 1.60% ROA, 63% efficiency ratio.

#2,415
largest of 4,313 FDIC banks by assets
44th
percentile by asset size, nationally
11.07%
Tier 1 ratio - above the 10% well-capitalized line
78th
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 1141 · CO A · 81/100

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

  • GRADE-A A (81/100)
  • MID-PACK #1886/4307
  • PHOTO-FINISH WesBanco Bank, Inc. · WV
  • TIER1-WELL 11.1% Tier 1
  • TEXAS-CLEAN 1.1% Texas
  • ROA-STRONG 1.60% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Colorado: WesBanco Bank, Inc., WV (±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 The Colorado Bank and Trust Company o…

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

Morgan Stanley Bank,… · UT ·…100/100High Plains Bank · OK · near81/100The Colorado Bank an… · CO ·…81/100Union Bank & Trust C… · AR ·…81/100United Cumberland Bank · KY …81/100WesBanco Bank, Inc. · WV · n…81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Colorado Bank and Trust Company o… · July 2026

Call Report read for The Colorado Bank and Trust Company o… in a high-failure state

The Colorado Bank and Trust Company of La Junta (FDIC Cert #1141) carries a PlainBankData health grade of A at 81/100, 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 #1,886 of 4,307. Tier 1 capital prints at 11.07%, clearing the 10% well-capitalized line. The Texas Ratio is 1.07%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.60%. Balance-sheet scale is $316M, 2,415th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is WesBanco Bank, Inc. (WV), 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 The Colorado Bank and Trust Company o…

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

The Colorado Bank and Trust Company of La Junta 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 The Colorado Bank and Trust Company of La Junta'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 The Colorado Bank and Trust Company of La Junta's 81/100 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 avg77/10081/100
The Colorado Bank and Trust Company of La Junta's composite health score
Tier 1 Capital Ratio (11.07%) 28/40
Return on Assets (ROA) (1.60%) 25/25
Texas Ratio (1.07%) 20/20
Efficiency Ratio (62.57%) 8/15

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

Balance sheet at a glance

Total Assets

$316M

Total balance-sheet footings

Total Deposits

$268M

Customer-funded liabilities

Net Loans

$226M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.67% 11.07% 12.47%
Basel III capital ratios - The Colorado Bank and Trust Company of La Junta

Where The Colorado Bank and Trust Company of La Junta ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Colorado Bank and Trust Company of La Junta's score of 81/100 falls in the highlighted band.

The Colorado Bank and Trust Company of La Junta: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

81 Top 44% higher than 56% 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. The Colorado Bank and Trust Company o… 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

The Colorado Bank and Trust Company of La Junta'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). The Colorado Bank and Trust Company of La Junta's $316M falls in the highlighted band.

Capital & credit buffers at The Colorado Bank and Trust Company o…

Tier 1 capital ratio
Well-capitalized 10%

11.07% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.07%
Texas Ratio
1.07%
Equity Capital
$36M

What these ratios mean →

Earnings posture at The Colorado Bank and Trust Company o…

Return on Assets (ROA)
78th percentile nationally
1.60%
Return on Equity (ROE)
12.40%
Efficiency Ratio
62.57%

What these mean →

Income & expense at The Colorado Bank and Trust Company o…

$18M
Interest Income
$2M
Non-Interest Income
$10M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Colorado Bank and Trust Company of La Junta reports a Texas Ratio of 1.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Colorado Bank and Trust Company of La Junta 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 ($316M here), outside Colorado so the neighborhood is not state containment.

The State Bank of Faribault $316M · MN Sewickley Savings Bank $316M · PA Abacus Federal Savings Bank $316M · NY Kearney Trust Company $316M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Colorado Bank and Trust Company of La Junta (FDIC Cert #1141) - 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.

The Colorado Bank and Trust Company of La Junta 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%