TellerScore

Headquartered in La Junta, Colorado, The Colorado Bank and Trust Company of La Junta is a state-chartered bank (fed member) with $330.3M in total assets and $280.4M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1907.

The Colorado Bank and Trust Company of La Junta has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 40th. Problem-loan coverage contributes the most (96/100, 2.1%); funding & liquidity contributes the least (49/100, 95% loans-to-deposits, 30% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.33%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.30%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 94.8% · 29.6% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.06%

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 fell 13 points (82 → 69), mostly because the capital cushion component weakened by 22 points.

TellerScore
698192Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202486
Q4 202485
Q1 202580
Q2 202582
Q3 202582
Q4 202578
Q1 202670
Q2 202669
Tier 1 leverage ratio
5.00%10.00%15.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.01%
Q3 202413.82%
Q4 202413.55%
Q1 202512.44%
Q2 202512.49%
Q3 202512.61%
Q4 202511.07%
Q1 202610.41%
Q2 202610.33%
Noncurrent loans
0.02%0.16%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.18%
Q4 20240.02%
Q1 20250.17%
Q2 20250.19%
Q3 20250.17%
Q4 20250.18%
Q1 20260.20%
Q2 20260.30%
Return on assets
1.00%1.53%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.06%
Q3 20241.67%
Q4 20241.56%
Q1 20251.57%
Q2 20251.63%
Q3 20251.65%
Q4 20251.60%
Q1 20261.00%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$330.3M10.33%0.30%1.23%94.8%
Q1 202670$332.9M10.41%0.20%1.00%85.8%
Q4 202578$316.2M11.07%0.18%1.60%84.4%
Q3 202582$266.3M12.61%0.17%1.65%87.0%
Q2 202582$260.2M12.49%0.19%1.63%84.5%
Q1 202580$253.8M12.44%0.17%1.57%85.2%
Q4 202485$242.8M13.55%0.02%1.56%89.4%
Q3 202486$228.1M13.82%0.18%1.67%86.2%
Q2 202492$210.4M15.01%0.20%2.06%86.1%

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 ratio10.33%
38th
Total risk-based capital0.00%
24th
Problem loans0.30%
57th
Net charge-offs0.09%
20th
Return on assets1.23%
49th
Net interest margin5.23%
95th
Efficiency ratio67.7%
35th
Loans to deposits94.8%
17th
Uninsured deposits29.6%
29th
Loan-loss reserves0.94%
20th
Texas ratio2.1%
57th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
FMS BankBank Fort Morgan, CO48 out of 100, Below average$324.8M9.8%1.71%vs
Alamosa State BankBank Alamosa, CO89 out of 100, Very strong$340.3M12.9%0.00%vs
Wray State BankBank Wray, CO61 out of 100, Moderate$312.0M9.9%1.50%vs
Native American Bank, National AssociationBank Denver, CO77 out of 100, Strong$362.0M14.4%0.94%vs
Redstone BankBank Centennial, CO75 out of 100, Strong$298.2M12.0%0.00%vs
Farmers BankBank Ault, CO51 out of 100, Below average$297.3M13.0%6.35%vs

Deposit insurance

Is my money safe at The Colorado Bank and Trust Company of La Junta?

Yes. The Colorado Bank and Trust Company of La Junta is an FDIC-insured institution (FDIC certificate #1141). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.6% of deposits ($83.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.33%, 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

5 locations

Branches

The Colorado Bank and Trust Company of La Junta lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Colorado Bank and Trust Company of La Junta
Former names
The Colorado Savings & Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
1141
RSSD ID
285151
Primary regulator
FED
Holding company
Grinnell Bancshares Inc
Established
January 1, 1907
Headquarters
301 Colorado Ave, La Junta, CO 81050
Employees
49

Quick answers

The Colorado Bank and Trust Company of La Junta: common questions

Is The Colorado Bank and Trust Company of La Junta FDIC insured?

Yes. The Colorado Bank and Trust Company of La Junta is an FDIC-insured institution (FDIC certificate #1141). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Colorado Bank and Trust Company of La Junta's TellerScore?

69 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 The Colorado Bank and Trust Company of La Junta ever failed?

There is no failure record for FDIC certificate #1141 in the FDIC failed bank list.

How many branches does The Colorado Bank and Trust Company of La Junta have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near La Junta

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank ColoradoBank Las Animas, CO85 out of 100, Very strong$634.3M11.8%0.00%vs
PB&T BankBank Pueblo, CO75 out of 100, Strong$815.2M10.6%0.54%vs
Fellowship Credit UnionCredit union Lamar, CO66 out of 100, Moderate$64.6M11.1%0.86%vs
NBH BankBank Greenwood Village, CO66 out of 100, Moderate$12.5B10.3%0.60%vs
U.S. Bank National AssociationBank Cincinnati, OH55 out of 100, Moderate$705.6B9.5%1.45%vs
Tbk Bank, SSBBank Dallas, TX52 out of 100, Below average$7.4B9.9%1.65%vs