ROCKY MOUNTAIN BANK AND TRUST

FLORENCE, CO | Small | Est. May 31, 1900, midnight | FDIC #3019 | RSSD #249658 | FDIC
Latest Report: 2025-12-31

ROCKY MOUNTAIN BANK AND TRUST is asn small FDIC-insured commercial bank headquartered in FLORENCE, CO, established in May 31, 1900, midnight. As of 2025-12-31, the bank reported total assets of $124M and total deposits of $108M. Profitability stands at 1.38% ROA and 11.29% ROE, with a net interest margin of 4.42%. The bank's CET1 capital ratio is 12.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.76% and a Texas Ratio of 7.23%. FDIC Certificate #3019.

Assets

$124M

Deposits

$108M

Loans

$66M

Equity

$15M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 11.29%
Net Interest Margin (NIM) 4.42%
Yield on Assets 6.03%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 1.76%
Net Charge-Off Ratio 0.12%
Texas Ratio 7.23%
NPA Ratio 0.94%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 12.21%
Tier 1 Capital 12.21%
Total Capital Ratio 12.82%
Leverage Ratio 13.08%
Loan-to-Deposit 61.11%

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