Rocky Mountain Bank & Trust (FDIC certificate #3019) is based in Florence, Colorado. Its Q2 2026 call report shows $126.5M in total assets and $109.9M in deposits and 2 offices.
Rocky Mountain Bank & Trust has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 35th. Funding & liquidity contributes the most (92/100, 54% loans-to-deposits, 22% uninsured); loan quality contributes the least (43/100, 1.71%).
TellerScore · Q2 2026
Scorecard
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 2 points (72 → 74), mostly because the earnings component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 55 |
| Q4 2024 | 57 |
| Q1 2025 | 62 |
| Q2 2025 | 72 |
| Q3 2025 | 70 |
| Q4 2025 | 77 |
| Q1 2026 | 74 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.99% |
| Q3 2024 | 11.37% |
| Q4 2024 | 11.29% |
| Q1 2025 | 11.91% |
| Q2 2025 | 12.72% |
| Q3 2025 | 13.13% |
| Q4 2025 | 13.08% |
| Q1 2026 | 13.12% |
| Q2 2026 | 13.23% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.54% |
| Q3 2024 | 2.74% |
| Q4 2024 | 2.41% |
| Q1 2025 | 2.28% |
| Q2 2025 | 2.12% |
| Q3 2025 | 2.42% |
| Q4 2025 | 1.76% |
| Q1 2026 | 1.79% |
| Q2 2026 | 1.71% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.19% |
| Q3 2024 | 1.12% |
| Q4 2024 | 1.09% |
| Q1 2025 | 1.24% |
| Q2 2025 | 2.28% |
| Q3 2025 | 2.21% |
| Q4 2025 | 2.00% |
| Q1 2026 | 1.55% |
| Q2 2026 | 1.54% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $126.5M | 13.23% | 1.71% | 1.54% | 54.0% |
| Q1 2026 | 74 | $124.2M | 13.12% | 1.79% | 1.55% | 56.1% |
| Q4 2025 | 77 | $123.5M | 13.08% | 1.76% | 2.00% | 60.2% |
| Q3 2025 | 70 | $119.7M | 13.13% | 2.42% | 2.21% | 60.8% |
| Q2 2025 | 72 | $116.8M | 12.72% | 2.12% | 2.28% | 58.5% |
| Q1 2025 | 62 | $121.6M | 11.91% | 2.28% | 1.24% | 54.2% |
| Q4 2024 | 57 | $121.8M | 11.29% | 2.41% | 1.09% | 54.7% |
| Q3 2024 | 55 | $126.1M | 11.37% | 2.74% | 1.12% | 53.3% |
| Q2 2024 | 75 | $120.3M | 10.99% | 0.54% | 1.19% | 53.3% |
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).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers State Bank of BrushBank Brush, CO | 85 out of 100, Very strong | $116.6M | 20.1% | 0.13% | vs |
| RG Bank, A Savings and Loan AssociationBank Monte Vista, CO | 61 out of 100, Moderate | $136.7M | 11.9% | 1.50% | vs |
| Evergreen National BankBank Evergreen, CO | 84 out of 100, Strong | $139.9M | 13.5% | 0.09% | vs |
| Pikes Peak National BankBank Colorado Springs, CO | 85 out of 100, Very strong | $110.8M | 15.6% | 0.00% | vs |
| Gunnison Savings and Loan AssociationBank Gunnison, CO | 78 out of 100, Strong | $102.2M | 12.9% | 0.10% | vs |
| Fowler State BankBank Fowler, CO | 60 out of 100, Moderate | $154.5M | 13.2% | 3.46% | vs |
Deposit insurance
Is my money safe at Rocky Mountain Bank & Trust?
Yes. Rocky Mountain Bank & Trust is an FDIC-insured institution (FDIC certificate #3019). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.4% of deposits ($24.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.23%, 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%).
2 locations
Branches
Rocky Mountain Bank & Trust lists 2 offices in 2 cities. Most locations:
- Colorado Springs, CO (1)
- Florence, CO (1)
Identity & history
Profile
- Legal name
- Rocky Mountain Bank & Trust
- Former names
- The First National Bank of Florence
- Type
- State-chartered bank
- FDIC certificate #
- 3019
- RSSD ID
- 249658
- Primary regulator
- FDIC
- Holding company
- First Flo Corp
- Established
- May 31, 1900
- Headquarters
- 101 E Main St, Florence, CO 81226
- Website
- www.rmbt.com
- Employees
- 22
Quick answers
Rocky Mountain Bank & Trust: common questions
Is Rocky Mountain Bank & Trust FDIC insured?
Yes. Rocky Mountain Bank & Trust is an FDIC-insured institution (FDIC certificate #3019). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Rocky Mountain Bank & Trust's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Rocky Mountain Bank & Trust ever failed?
There is no failure record for FDIC certificate #3019 in the FDIC failed bank list.
How many branches does Rocky Mountain Bank & Trust have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Florence
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pueblo Government Agencies Federal Credit UnionCredit union Pueblo, CO | 82 out of 100, Strong | $43.8M | 12.7% | 0.02% | vs |
| Frontier BankBank Lamar, CO | 81 out of 100, Strong | $436.4M | 10.8% | 0.32% | vs |
| PB&T BankBank Pueblo, CO | 75 out of 100, Strong | $815.2M | 10.6% | 0.54% | vs |
| Stockmens BankBank Colorado Springs, CO | 75 out of 100, Strong | $650.8M | 10.6% | 0.18% | vs |
| Academy Bank, National AssociationBank Kansas City, MO | 73 out of 100, Strong | $3.2B | 14.3% | 1.05% | vs |
| Minnequa Works Credit UnionCredit union Pueblo, CO | 71 out of 100, Strong | $274.0M | 12.7% | 0.79% | vs |