FDIC Cert #17959 · Dolores, Colorado · Est. 1959

The Dolores State Bank - FDIC Bank Health Profile

A community-scale look at The Dolores State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$448M
Total assets
A
Health grade · Excellent
1.89%
Return on assets
20.5%
Tier 1 capital

Data updated July 2026

The verdict

The Dolores State Bank earns a PlainBankData health grade of A (96/100), with well-capitalized at 20.46% Tier 1, profitable at 1.89% ROA, efficient (45% cost ratio).

#1,931
largest of 4,313 FDIC banks by assets
55th
percentile by asset size, nationally
20.46%
Tier 1 ratio - above the 10% well-capitalized line
88th
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 17959 · CO A · 96/100

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

  • GRADE-A A (96/100)
  • TOP-DECILE #292/4307
  • PHOTO-FINISH Plains State Bank · TX
  • TIER1-WELL 20.5% Tier 1
  • TEXAS-CLEAN 6.2% Texas
  • ROA-STRONG 1.89% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Colorado: Plains State 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 The Dolores State Bank

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

Morgan Stanley Bank,… · UT ·…100/100First Bank and Trust… · IL ·…96/100FNB Picayune Bank · MS · near96/100Plains State Bank · TX · near96/100The Dolores State Bank · CO …96/100Western Commerce Bank · NM ·…96/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Dolores State Bank · July 2026

Call Report read for The Dolores State Bank in a high-failure state

The Dolores State Bank (FDIC Cert #17959) carries a PlainBankData health grade of A at 96/100, 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 #292 of 4,307. Tier 1 capital prints at 20.46%, clearing the 10% well-capitalized line. The Texas Ratio is 6.17%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.89%. Balance-sheet scale is $448M, 1,931st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Plains State 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 The Dolores State Bank

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

The Dolores State 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 The Dolores State 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 The Dolores State Bank's 96/100 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 avg77/10096/100
The Dolores State Bank's composite health score
Tier 1 Capital Ratio (20.46%) 40/40
Return on Assets (ROA) (1.89%) 25/25
Texas Ratio (6.17%) 16/20
Efficiency Ratio (45.03%) 15/15

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

Balance sheet at a glance

Total Assets

$448M

Total balance-sheet footings

Total Deposits

$353M

Customer-funded liabilities

Net Loans

$316M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.06% 20.46% 21.86%
Basel III capital ratios - The Dolores State Bank

Where The Dolores State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Dolores State Bank's score of 96/100 falls in the highlighted band.

The Dolores State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

96 Top 7% higher than 93% 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%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. The Dolores State 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

The Dolores State 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). The Dolores State Bank's $448M falls in the highlighted band.

Capital & credit buffers at The Dolores State Bank

Tier 1 capital ratio
Well-capitalized 10%

20.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.46%
Texas Ratio
6.17%
Equity Capital
$64M

What these ratios mean →

Earnings posture at The Dolores State Bank

Return on Assets (ROA)
88th percentile nationally
1.89%
Return on Equity (ROE)
13.67%
Efficiency Ratio
45.03%

What these mean →

Income & expense at The Dolores State Bank

$23M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Dolores State Bank reports a Texas Ratio of 6.17% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Dolores State 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 ($448M here), outside Colorado so the neighborhood is not state containment.

Alden State Bank $448M · NY Meade County Bank $448M · KY United Savings Bank $448M · PA The Bank of LaFayette, Georgia $448M · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Dolores State Bank (FDIC Cert #17959) - 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 Dolores State 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%