BanksROCKY MOUNTAIN BANK AND TRUST

ROCKY MOUNTAIN BANK AND TRUST

FLORENCE, COSmallEst. May 31, 1900, midnightFDIC #3019RSSD #249658FDIC
Latest · 2025-12-31

ROCKY MOUNTAIN BANK AND TRUST is an 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%. CET1 capital ratio: 12.21%, well above regulatory minimums. NPL ratio: 1.76% · Texas Ratio: 7.23%. Operates 2 domestic branches.

Assets
$124M
Deposits
$108M
Loans
$66M
Equity
$15M

Profitability

Return on Assets (ROA)1.38%
Return on Equity (ROE)11.29%
Net Interest Margin4.42%
Yield on Assets6.03%
Cost of Funds1.70%

Asset Quality

NPL Ratio1.76%
Net Charge-Off Ratio0.12%
Texas Ratio7.23%
NPA Ratio0.94%
ACL / Loans1.47%

Capital & Liquidity

CET1 Ratio12.21%
Tier 1 Capital12.21%
Total Capital Ratio12.82%
Leverage Ratio13.08%
Loan-to-Deposit61.11%

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