High Country Bank: Financial Reports & UBPR Data
BankRegReports is independent of High Country Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at High Country Bank. The Salida, Colorado bank had $528 million in assets at June 30, 2026, up 2.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.34% of loans from 0.91% a year earlier. It keeps 4.73 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 11.0% of the capital and reserves that would absorb them, 4.2 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.5 million, 46% above the same quarter a year earlier. Where it has less room is capital: it funds 9.62% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, High Country Bank reported a return on assets of 1.11%, a nonperforming-loan ratio of 1.34% and a Texas ratio of 11.03%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 7360 W Us Highway 50, Salida, CO 81201
- County
- Chaffee
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1886
- Former names
- The Salida Building and Loan Association (1988-2000)
- Offices
- 5 domestic
- Employees (FTE)
- 94
- Domestic deposits
- $450.5M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $526.1M
- Average total loans
- $440.3M
- Average interest-bearing deposits
- $320.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29783
- Fed RSSD
- 479370
- SEC CIK
- 1044676 → filed by HIGH COUNTRY BANCORP, INC.
- Website
- www.highcountrybank.net →
- Parent Holding Company
- HIGH COUNTRY BANCORP, INC. (RSSD 3833834)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full High Country Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock High Country Bank, freeHigh Country Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.62% | 1.11% | 1.34% | 11.03% | 4.73% |
| Q1 2026 | 9.43% | 1.06% | 1.34% | 11.09% | 4.55% |
| Q4 2025 | 9.30% | 1.34% | 1.22% | 10.33% | 4.67% |
| Q3 2025 | 8.66% | 0.70% | 1.53% | 13.77% | 4.51% |
| Q2 2025 | 8.72% | 0.79% | 0.91% | 8.26% | 4.59% |
| Q1 2025 | 8.81% | 1.02% | 0.92% | 8.23% | 4.47% |
| Q4 2024 | 8.74% | 0.68% | 0.97% | 8.89% | 4.50% |
| Q3 2024 | 8.79% | 0.74% | 0.79% | 7.05% | 4.38% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| High Country Bank (main office) | Salida , CO | 81201 | $188.4M |
| Buena Vista Branch | Buena Vista , CO | 81211 | $127.6M |
| Canon City Branch | Canon City , CO | 81212 | $66.7M |
| Second Street Branch | Salida , CO | 81201 | $59.9M |
| Longmont Branch | Longmont , CO | 80501 | $7.9M |
Regulatory record
What the public regulatory sources show for High Country Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC (former OTS)); 7 against individuals associated with it
- December 2, 2004, OCC (former OTS): Supervisory Agreement: High Country Bank
- February 6, 1992, OCC (former OTS): Supervisory Agreement: Salida Building and Loan Association
- Period: Most recent institution action December 2, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in CO, rank 37 of 124 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 219 applications, 176 loans originated, $72.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $124K approved, $124K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows High Country Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare High Country Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about High Country Bank
What are High Country Bank's total assets?
As of the Q2 2026 filing, High Country Bank reported total assets of $528.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is High Country Bank headquartered?
High Country Bank is headquartered in Salida, CO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was High Country Bank founded?
High Country Bank was established in 1886, per the FDIC institution directory.
Is High Country Bank FDIC-insured?
Yes. High Country Bank is an FDIC-insured commercial bank (FDIC Certificate #29783). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates High Country Bank?
High Country Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does High Country Bank operate?
High Country Bank operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is High Country Bank's Texas Ratio?
High Country Bank's Texas Ratio is 11.03% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was High Country Bank previously called?
The charter now named High Country Bank has also operated as The Salida Building and Loan Association (1988-2000), per FDIC structure-change records.
Go deeper on High Country Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock High Country Bank, freeFree account