Banks STATE BANK, THE

STATE BANK, THE

LA JUNTA, CO Small RSSD #387055
Latest · 2025-12-31

STATE BANK, THE is an 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%. CET1 capital ratio: 31.82%, well above regulatory minimums. NPL ratio: 0.54% · Texas Ratio: 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 Margin4.64%
Yield on Assets5.45%
Cost of Funds0.90%

Asset Quality

NPL Ratio0.54%
Net Charge-Off Ratio0.02%
Texas Ratio1.49%
NPA Ratio0.28%
ACL / Loans1.61%

Capital & Liquidity

CET1 Ratio31.82%
Tier 1 Capital31.82%
Total Capital Ratio33.08%
Leverage Ratio18.14%
Loan-to-Deposit62.54%

This is just the summary.

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