Total Assets
$316M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$268M
Customer-funded liabilities
Net Loans
$226M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
78th percentile nationally
1.60%
Return on Equity (ROE)
12.40%
Efficiency Ratio
62.57%
What the numbers say about The Colorado Bank and Trust Company of La Junta
The Colorado Bank and Trust Company of La Junta is an FDIC-insured institution (Certificate #1141) headquartered in La Junta, Colorado, established in 1907. It holds $316M in total assets - 2,415th of 4,313 FDIC-insured banks, $268M in customer deposits, and $226M in net loans. Looking at capital strength, Tier 1 stands at 11.07%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.07%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (81/100), 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, The Colorado Bank and Trust Company of La Junta ranks 34th of 65 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Colorado by total assets
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.
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 The Colorado Bank and Trust Company of La Junta's health grade?▼
The Colorado Bank and Trust Company of La Junta receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Colorado Bank and Trust Company of La Junta?▼
The Colorado Bank and Trust Company of La Junta holds $316M in total assets and $268M in deposits, ranking 2,415th of 4,313 FDIC-insured banks by asset size. It is headquartered in La Junta, Colorado.
Is my money safe at The Colorado Bank and Trust Company of La Junta?▼
Yes, deposits at The Colorado Bank and Trust Company of La Junta (Certificate #1141) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Colorado Bank and Trust Company of La Junta's Tier 1 Capital Ratio?▼
The Colorado Bank and Trust Company of La Junta has a Tier 1 Capital Ratio of 11.07%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Colorado Bank and Trust Company of La Junta?▼
The Colorado Bank and Trust Company of La Junta has a Texas Ratio of 1.07%. 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 The Colorado Bank and Trust Company of La Junta?▼
The Colorado Bank and Trust Company of La Junta has an Efficiency Ratio of 62.57%. 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 The Colorado Bank and Trust Company of La Junta's profile as a depositor or analyst.
- The Colorado Bank and Trust Company of La Junta's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Colorado Bank and Trust Company of La Junta 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.