TellerScore

Headquartered in Mcclave, Colorado, McClave State Bank is a state-chartered bank with $78.9M in total assets and $65.5M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1920.

McClave State Bank has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 546 banks with under $100 million in assets. Among 63 banks headquartered in Colorado, it ranks 4th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (56/100, 104% loans-to-deposits, 15% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion90/100
Tier 1 leverage ratio: 14.04%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings92/100
Return on assets (annualized): 1.81%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 104.0% · 14.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

From Q2 2025 to Q2 2026, the score rose 13 points (76 → 89), mostly because the loan quality component improved by 22 points.

TellerScore
718089Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202479
Q3 202477
Q4 202482
Q1 202583
Q2 202576
Q3 202578
Q4 202571
Q1 202682
Q2 202689
Tier 1 leverage ratio
5.00%9.52%14.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202413.26%
Q3 202412.64%
Q4 202412.65%
Q1 202512.75%
Q2 202512.84%
Q3 202512.69%
Q4 202512.82%
Q1 202612.98%
Q2 202614.04%
Noncurrent loans
0.00%0.54%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.56%
Q3 20240.54%
Q4 20240.00%
Q1 20250.00%
Q2 20250.65%
Q3 20250.37%
Q4 20251.09%
Q1 20260.41%
Q2 20260.00%
Return on assets
1.41%1.61%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.72%
Q3 20241.68%
Q4 20241.56%
Q1 20251.53%
Q2 20251.50%
Q3 20251.48%
Q4 20251.41%
Q1 20261.73%
Q2 20261.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$78.9M14.04%0.00%1.81%104.0%
Q1 202682$79.1M12.98%0.41%1.73%98.1%
Q4 202571$84.4M12.82%1.09%1.41%98.9%
Q3 202578$81.8M12.69%0.37%1.48%106.0%
Q2 202576$79.0M12.84%0.65%1.50%104.9%
Q1 202583$76.4M12.75%0.00%1.53%99.5%
Q4 202482$78.8M12.65%0.00%1.56%102.8%
Q3 202477$76.5M12.64%0.54%1.68%104.8%
Q2 202479$71.0M13.26%0.56%1.72%106.4%

546 peers · Under $100 million in assets

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 ratio14.04%
62nd
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.01%
32nd
Return on assets1.81%
84th
Net interest margin4.98%
86th
Efficiency ratio50.3%
90th
Loans to deposits104.0%
6th
Uninsured deposits14.7%
55th
Loan-loss reserves1.19%
48th
Texas ratio0.0%
85th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Century Savings and Loan AssociationBank Trinidad, CO78 out of 100, Strong$75.3M16.4%0.50%vs
Champion BankBank Parker, CO71 out of 100, Strong$41.7M39.3%1.01%vs
The First National Bank of FlemingBank Fleming, CO69 out of 100, Moderate$30.7M13.3%1.12%vs
Young Americans BankBank Denver, CO46 out of 100, Below average$15.5M11.9%10.53%vs
Transact Bank, National AssociationBank Denver, CO86 out of 100, Very strong$6.5M16.3%0.00%vs

Deposit insurance

Is my money safe at McClave State Bank?

Yes. McClave State Bank is an FDIC-insured institution (FDIC certificate #11261). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.7% of deposits ($9.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.04%, well 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

2 locations

Branches

McClave State Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
McClave State Bank
Former names
McClave State Bank of McClave
Type
State-chartered bank
FDIC certificate #
11261
RSSD ID
399357
Primary regulator
FDIC
Established
March 9, 1920
Headquarters
101 E 1st St, Mcclave, CO 81057
Employees
11

Quick answers

McClave State Bank: common questions

Is McClave State Bank FDIC insured?

Yes. McClave State Bank is an FDIC-insured institution (FDIC certificate #11261). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is McClave State Bank's TellerScore?

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

Has McClave State Bank ever failed?

There is no failure record for FDIC certificate #11261 in the FDIC failed bank list.

How many branches does McClave State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mcclave

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Credit UnionCredit union Springfield, CO89 out of 100, Very strong$75.0M19.4%0.16%vs
First National Bank ColoradoBank Las Animas, CO85 out of 100, Very strong$634.3M11.8%0.00%vs
Frontier BankBank Lamar, CO81 out of 100, Strong$436.4M10.8%0.32%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
Community State BankBank Lamar, CO78 out of 100, Strong$208.1M12.5%0.90%vs
The Colorado Bank and Trust Company of La JuntaBank La Junta, CO69 out of 100, Moderate$330.3M10.3%0.30%vs