GUNNISON BANK AND TRUST COMPANY, THE

GUNNISON, CO | Small | Est. Dec. 23, 1910, midnight | FDIC #11259 | RSSD #502559 | FED
Latest Report: 2025-12-31

GUNNISON BANK AND TRUST COMPANY, THE is asn small FDIC-insured commercial bank headquartered in GUNNISON, CO, established in Dec. 23, 1910, midnight. As of 2025-12-31, the bank reported total assets of $250M and total deposits of $206M. Profitability stands at 1.24% ROA and 9.95% ROE, with a net interest margin of 5.05%. The bank's CET1 capital ratio is 12.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.25%. FDIC Certificate #11259.

Assets

$250M

Deposits

$206M

Loans

$164M

Equity

$32M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 9.95%
Net Interest Margin (NIM) 5.05%
Yield on Assets 6.14%
Cost of Funds 1.16%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.25%
NPA Ratio 0.03%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 12.60%
Tier 1 Capital 12.60%
Total Capital Ratio 13.24%
Leverage Ratio 12.82%
Loan-to-Deposit 79.66%

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