Total Assets
$705M
Total balance-sheet footings
FDIC Cert #16125 · Cheyenne Wells, Colorado · Est. 1944
The Eastern Colorado Bank - FDIC Bank Health Profile
A community-scale look at The Eastern Colorado Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $705M
- Total assets
- A
- Health grade · Excellent
- 1.16%
- Return on assets
- 12.8%
- Tier 1 capital
Data updated July 2026
The verdict
The Eastern Colorado Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.84% Tier 1, profitable at 1.16% ROA, 67% efficiency ratio.
- #1,379
- largest of 4,313 FDIC banks by assets
- 68th
- percentile by asset size, nationally
- 12.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 54th
- 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.
How The Eastern Colorado Bank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Eastern Colorado Bank's composite health score
Tier 1 Capital Ratio (12.84%) 35/40
Return on Assets (ROA) (1.16%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (66.50%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$594M
Customer-funded liabilities
Net Loans
$476M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Eastern Colorado Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Eastern Colorado Bank's score of 83/100 falls in the highlighted band.
The Eastern Colorado 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 Eastern Colorado Bank's $705M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.84%
Texas Ratio
0.00%
Equity Capital
$75M
Profitability metrics
Return on Assets (ROA)
54th percentile nationally
1.16%
Return on Equity (ROE)
11.24%
Efficiency Ratio
66.50%
What the numbers say about The Eastern Colorado Bank
The Eastern Colorado Bank is an FDIC-insured institution (Certificate #16125) headquartered in Cheyenne Wells, Colorado, established in 1944. It holds $705M in total assets - 1,379th of 4,313 FDIC-insured banks, $594M in customer deposits, and $476M in net loans. On safety, its Tier 1 capital ratio of 12.84% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (83/100), 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 Eastern Colorado Bank ranks 13th of 65 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$36M
Interest Income
$2M
Non-Interest Income
$17M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Eastern Colorado Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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 Eastern Colorado Bank (FDIC Cert #16125) - 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 Eastern Colorado Bank's health grade?▼
The Eastern Colorado Bank receives a health grade of A (83/100) 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 Eastern Colorado Bank?▼
The Eastern Colorado Bank holds $705M in total assets and $594M in deposits, ranking 1,379th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cheyenne Wells, Colorado.
Is my money safe at The Eastern Colorado Bank?▼
Yes, deposits at The Eastern Colorado Bank (Certificate #16125) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Eastern Colorado Bank's Tier 1 Capital Ratio?▼
The Eastern Colorado Bank has a Tier 1 Capital Ratio of 12.84%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Eastern Colorado Bank?▼
The Eastern Colorado Bank has a Texas Ratio of 0.00%. 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 Eastern Colorado Bank?▼
The Eastern Colorado Bank has an Efficiency Ratio of 66.50%. 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 Eastern Colorado Bank's profile as a depositor or analyst.
- The Eastern Colorado Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Eastern Colorado Bank 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.