STATE BANK, THE

LA JUNTA, CO | Small | RSSD #387055
Latest Report: 2025-12-31

STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in LA JUNTA, CO. As of 2025-12-31, the bank reported total assets of $145M and total deposits of $119M. Profitability stands at 4.56% ROA and 26.64% ROE, with a net interest margin of 4.64%. The bank's CET1 capital ratio is 31.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.54% and a Texas Ratio of 1.49%.

Assets

$145M

Deposits

$119M

Loans

$74M

Equity

$26M

Profitability

Return on Assets (ROA) 4.56%
Return on Equity (ROE) 26.64%
Net Interest Margin (NIM) 4.64%
Yield on Assets 5.45%
Cost of Funds 0.90%

Asset Quality

NPL Ratio 0.54%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.49%
NPA Ratio 0.28%
ACL / Loans 1.61%

Capital & Liquidity

CET1 Ratio 31.82%
Tier 1 Capital 31.82%
Total Capital Ratio 33.08%
Leverage Ratio 18.14%
Loan-to-Deposit 62.54%

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