Headquartered in Gunnison, Colorado, The Gunnison Bank and Trust Company is a state-chartered bank (fed member) with $255.4M in total assets and $209.8M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1910.
Based on its Q2 2026 filing, The Gunnison Bank and Trust Company scores 90/100, which we describe as very strong. That is higher than 95% of 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 2nd. Its strongest component is earnings (100/100; 2.05%), and its lowest is funding & liquidity (58/100; 87% loans-to-deposits, 29% uninsured).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 90).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 69 |
| Q4 2024 | 86 |
| Q1 2025 | 89 |
| Q2 2025 | 89 |
| Q3 2025 | 89 |
| Q4 2025 | 87 |
| Q1 2026 | 89 |
| Q2 2026 | 90 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.11% |
| Q3 2024 | 11.81% |
| Q4 2024 | 12.41% |
| Q1 2025 | 13.39% |
| Q2 2025 | 13.62% |
| Q3 2025 | 12.98% |
| Q4 2025 | 12.82% |
| Q1 2026 | 13.38% |
| Q2 2026 | 13.86% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 1.72% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.95% |
| Q3 2024 | 1.98% |
| Q4 2024 | 1.80% |
| Q1 2025 | 1.85% |
| Q2 2025 | 1.96% |
| Q3 2025 | 2.09% |
| Q4 2025 | 1.87% |
| Q1 2026 | 1.99% |
| Q2 2026 | 2.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $255.4M | 13.86% | 0.05% | 2.05% | 86.5% |
| Q1 2026 | 89 | $247.3M | 13.38% | 0.05% | 1.99% | 84.4% |
| Q4 2025 | 87 | $250.0M | 12.82% | 0.06% | 1.87% | 78.7% |
| Q3 2025 | 89 | $255.1M | 12.98% | 0.05% | 2.09% | 77.4% |
| Q2 2025 | 89 | $240.6M | 13.62% | 0.05% | 1.96% | 84.2% |
| Q1 2025 | 89 | $232.8M | 13.39% | 0.00% | 1.85% | 82.0% |
| Q4 2024 | 86 | $231.1M | 12.41% | 0.00% | 1.80% | 75.9% |
| Q3 2024 | 69 | $250.5M | 11.81% | 1.72% | 1.98% | 80.2% |
| Q2 2024 | 86 | $239.5M | 12.11% | 0.00% | 1.95% | 82.0% |
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 First National Bank in TrinidadBank Trinidad, CO | 64 out of 100, Moderate | $250.5M | 10.9% | 0.95% | vs |
| First Pioneer National BankBank Wray, CO | 56 out of 100, Moderate | $243.4M | 12.5% | 2.79% | vs |
| North Valley BankBank Thornton, CO | 80 out of 100, Strong | $268.6M | 13.5% | 0.53% | vs |
| Home Loan State BankBank Grand Junction, CO | 68 out of 100, Moderate | $235.3M | 7.9% | 0.00% | vs |
| First American State BankBank Greenwood Village, CO | 62 out of 100, Moderate | $276.9M | 9.7% | 0.24% | vs |
| The Citizens State Bank of OurayBank Ouray, CO | 67 out of 100, Moderate | $231.2M | 8.4% | 0.00% | vs |
Deposit insurance
Is my money safe at The Gunnison Bank and Trust Company?
Yes. The Gunnison Bank and Trust Company is an FDIC-insured institution (FDIC certificate #11259). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.9% of deposits ($60.6M) 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 13.86%, 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
The Gunnison Bank and Trust Company lists 2 offices in 2 cities. Most locations:
- Crested Butte, CO (1)
- Gunnison, CO (1)
Identity & history
Profile
- Legal name
- The Gunnison Bank and Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 11259
- RSSD ID
- 502559
- Primary regulator
- FED
- Holding company
- Lindoe Inc
- Established
- December 23, 1910
- Headquarters
- 232 W Tomichi Ave, Gunnison, CO 81230
- Website
- www.gunnisonbank.com
- Employees
- 46
Quick answers
The Gunnison Bank and Trust Company: common questions
Is The Gunnison Bank and Trust Company FDIC insured?
Yes. The Gunnison Bank and Trust Company is an FDIC-insured institution (FDIC certificate #11259). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Gunnison Bank and Trust Company's TellerScore?
90 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 The Gunnison Bank and Trust Company ever failed?
FDIC records show The Gunnison Bank & Trust Co. failed on October 2, 1991.
How many branches does The Gunnison Bank and Trust Company have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Gunnison
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nuvista Federal Credit UnionCredit union Montrose, CO | 92 out of 100, Very strong | $172.3M | 14.3% | 0.00% | vs |
| Gunnison Savings and Loan AssociationBank Gunnison, CO | 78 out of 100, Strong | $102.2M | 12.9% | 0.10% | vs |
| NBH BankBank Greenwood Village, CO | 66 out of 100, Moderate | $12.5B | 10.3% | 0.60% | vs |
| BMO Bank National AssociationBank Chicago, IL | 58 out of 100, Moderate | $255.0B | 11.3% | 0.92% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |