TellerScore

Headquartered in Salida, Colorado, High Country Bank is a state-chartered bank (fed member) with $528.5M in total assets and $450.5M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1886.

High Country Bank has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 58th. Problem-loan coverage contributes the most (78/100, 11.0%); capital cushion contributes the least (46/100, 9.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.62%
Loan quality55/100
Noncurrent loans ÷ total loans: 1.34%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 97.8% · 20.7% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (56 → 56).

TellerScore
495458Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202456
Q4 202454
Q1 202558
Q2 202556
Q3 202549
Q4 202555
Q1 202655
Q2 202656
Tier 1 leverage ratio
5.00%7.31%9.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.15%
Q3 20248.79%
Q4 20248.74%
Q1 20258.81%
Q2 20258.72%
Q3 20258.66%
Q4 20259.30%
Q1 20269.43%
Q2 20269.62%
Noncurrent loans
0.79%1.16%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.91%
Q3 20240.79%
Q4 20240.97%
Q1 20250.92%
Q2 20250.91%
Q3 20251.53%
Q4 20251.22%
Q1 20261.34%
Q2 20261.34%
Return on assets
0.57%0.83%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.63%
Q4 20240.65%
Q1 20251.01%
Q2 20250.90%
Q3 20250.83%
Q4 20250.96%
Q1 20261.06%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$528.5M9.62%1.34%1.08%97.8%
Q1 202655$524.1M9.43%1.34%1.06%100.5%
Q4 202555$533.0M9.30%1.22%0.96%101.5%
Q3 202549$522.3M8.66%1.53%0.83%100.8%
Q2 202556$513.6M8.72%0.91%0.90%100.5%
Q1 202558$503.6M8.81%0.92%1.01%97.6%
Q4 202454$499.5M8.74%0.97%0.65%99.6%
Q3 202456$496.8M8.79%0.79%0.63%98.6%
Q2 202455$481.3M9.15%0.91%0.57%100.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.62%
24th
Total risk-based capital0.00%
24th
Problem loans1.34%
20th
Net charge-offs0.00%
59th
Return on assets1.08%
39th
Net interest margin4.72%
86th
Efficiency ratio71.3%
27th
Loans to deposits97.8%
13th
Uninsured deposits20.7%
62nd
Loan-loss reserves1.19%
49th
Texas ratio11.0%
16th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Mountain Valley BankBank Walden, CO69 out of 100, Moderate$556.5M10.5%0.19%vs
Integrity Bank & TrustBank Monument, CO62 out of 100, Moderate$459.6M9.1%0.54%vs
The Dolores State BankBank Dolores, CO84 out of 100, Strong$456.3M15.6%1.02%vs
Frontier BankBank Lamar, CO81 out of 100, Strong$436.4M10.8%0.32%vs
Bankers' Bank of the WestBank Denver, CO66 out of 100, Moderate$433.6M14.4%1.03%vs
First National Bank ColoradoBank Las Animas, CO85 out of 100, Very strong$634.3M11.8%0.00%vs

Deposit insurance

Is my money safe at High Country Bank?

Yes. High Country Bank is an FDIC-insured institution (FDIC certificate #29783). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.7% of deposits ($93.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.62%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

High Country Bank lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, High Country Bank reported 218 home-loan applications under HMDA (LEI 254900GMDWB9051H7297): 176 originated ($72,080,000 total), 12 denied, and 30 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
High Country Bank
Former names
The Salida Building and Loan Association; Salida Building and Loan Association
Type
State-chartered bank (Fed member)
FDIC certificate #
29783
RSSD ID
479370
Primary regulator
FED
Holding company
High Country Bcorp Inc
Established
January 1, 1886
Headquarters
7360 W Us Highway 50, Salida, CO 81201
Employees
94

Quick answers

High Country Bank: common questions

Is High Country Bank FDIC insured?

Yes. High Country Bank is an FDIC-insured institution (FDIC certificate #29783). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is High Country Bank's TellerScore?

56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has High Country Bank ever failed?

There is no failure record for FDIC certificate #29783 in the FDIC failed bank list.

How many branches does High Country Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Salida

InstitutionScoreAssetsCapitalProblem loansCompare
PB&T BankBank Pueblo, CO75 out of 100, Strong$815.2M10.6%0.54%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Power Credit UnionCredit union Pueblo, CO63 out of 100, Moderate$156.0M11.4%1.40%vs
BMO Bank National AssociationBank Chicago, IL58 out of 100, Moderate$255.0B11.3%0.92%vs