TellerScore

Headquartered in Dolores, Colorado, The Dolores State Bank is a state-chartered bank with $456.3M in total assets and $357.3M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1959.

The Dolores State Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 12th. Capital cushion contributes the most (100/100, 15.64%); funding & liquidity contributes the least (65/100, 92% loans-to-deposits, 17% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.64%
Loan quality66/100
Noncurrent loans ÷ total loans: 1.02%
Earnings94/100
Return on assets (annualized): 1.86%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 92.3% · 17.4% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.70%

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 (84 → 84).

TellerScore
808386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202485
Q4 202480
Q1 202583
Q2 202584
Q3 202582
Q4 202582
Q1 202682
Q2 202684
Tier 1 leverage ratio
5.00%10.32%15.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.93%
Q3 202415.11%
Q4 202414.15%
Q1 202514.67%
Q2 202514.97%
Q3 202515.35%
Q4 202514.80%
Q1 202615.32%
Q2 202615.64%
Noncurrent loans
0.59%0.95%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.59%
Q3 20240.77%
Q4 20241.16%
Q1 20250.95%
Q2 20250.96%
Q3 20251.26%
Q4 20251.31%
Q1 20261.23%
Q2 20261.02%
Return on assets
1.46%1.67%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.46%
Q3 20241.53%
Q4 20241.75%
Q1 20251.64%
Q2 20251.71%
Q3 20251.78%
Q4 20251.89%
Q1 20261.77%
Q2 20261.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$456.3M15.64%1.02%1.86%92.3%
Q1 202682$451.3M15.32%1.23%1.77%90.0%
Q4 202582$447.7M14.80%1.31%1.89%89.5%
Q3 202582$444.3M15.35%1.26%1.78%90.4%
Q2 202584$420.6M14.97%0.96%1.71%85.6%
Q1 202583$425.2M14.67%0.95%1.64%80.7%
Q4 202480$417.8M14.15%1.16%1.75%81.3%
Q3 202485$414.9M15.11%0.77%1.53%81.7%
Q2 202486$406.8M14.93%0.59%1.46%80.6%

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 ratio15.64%
89th
Total risk-based capital22.14%
90th
Problem loans1.02%
27th
Net charge-offs0.01%
48th
Return on assets1.86%
83rd
Net interest margin4.65%
84th
Efficiency ratio44.5%
92nd
Loans to deposits92.3%
22nd
Uninsured deposits17.4%
74th
Loan-loss reserves1.21%
52nd
Texas ratio4.7%
37th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Integrity Bank & TrustBank Monument, CO62 out of 100, Moderate$459.6M9.1%0.54%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
Farmers State Bank of CalhanBank Calhan, CO68 out of 100, Moderate$416.4M9.2%0.41%vs
San Luis Valley Federal BankBank Alamosa, CO87 out of 100, Very strong$390.2M18.0%0.15%vs
First FarmBankBank Greeley, CO72 out of 100, Strong$384.4M12.3%0.88%vs

Deposit insurance

Is my money safe at The Dolores State Bank?

Yes. The Dolores State Bank is an FDIC-insured institution (FDIC certificate #17959). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.4% of deposits ($62.1M) 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 15.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.14% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

The Dolores State Bank lists 3 offices in 3 cities. Most locations:

  • Cortez, CO (1)
  • Dolores, CO (1)
  • Mancos, CO (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Dolores State Bank
Type
State-chartered bank
FDIC certificate #
17959
RSSD ID
63050
Primary regulator
FDIC
Established
January 5, 1959
Headquarters
101 S 6th St, Dolores, CO 81323
Website
mydsb.com
Employees
47

Quick answers

The Dolores State Bank: common questions

Is The Dolores State Bank FDIC insured?

Yes. The Dolores State Bank is an FDIC-insured institution (FDIC certificate #17959). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Dolores State Bank's TellerScore?

84 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 The Dolores State Bank ever failed?

There is no failure record for FDIC certificate #17959 in the FDIC failed bank list.

How many branches does The Dolores State Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dolores

InstitutionScoreAssetsCapitalProblem loansCompare
First Southwest BankBank Durango, CO86 out of 100, Very strong$657.5M15.3%0.04%vs
Four Corners Community BankBank Farmington, NM75 out of 100, Strong$662.3M9.6%0.35%vs
Zions Bancorporation, N.A.Bank Salt Lake City, UT67 out of 100, Moderate$89.0B9.4%0.47%vs
First National Bank, CortezBank Cortez, CO53 out of 100, Below average$156.9M10.0%1.92%vs