The Colorado Bank and Trust Company of La Junta
The Colorado Bank and Trust Company of La Junta is an FDIC-insured commercial bank headquartered in La Junta, CO, supervised by the Federal Reserve, with $347.3M in total assets at Q3 2026, up 30.5% from Q3 2025, the 31st largest of 63 banks headquartered in Colorado. It was established in 1907 and holds FDIC certificate 1141. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.36% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
Also written as CB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1141
- Headquarters
- La Junta, CO
- Established
- 1907
- Total assets, Q3 2026
- $347.3M
- Assets vs Q3 2025
- +30.5%
- Tier 1 leverage ratio, Q3 2026
- 10.36%
- Domestic offices
- 5 branches
- Routing number
- 102100675
- Safety and soundness
- Is The Colorado Bank and Trust Company of La Junta safe?
- Latest call report
- Q3 2026, FFIEC 041 · The Colorado Bank and Trust Company of La Junta call report
- Holding company
- GRINNELL BANCSHARES, INC.
- Asset rank in state
- 31st of 63 in Colorado
The Colorado Bank and Trust Company of La Junta earns an unusually wide margin on its lending. It reported $347 million in assets at September 30, 2026, up 30.5% from a year earlier. It keeps 5.20 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,624 banks with $100 million to $1 billion in assets (median 4.01 cents). It also grew its loan book 39.5% over the year, 6.9 times the median of 5.8% for banks its size.
Delinquency has appeared in its $42 million non-owner-occupied commercial real estate book: 1.06% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 39.5% and deposits rose 36.1%.
As of September 30, 2026, The Colorado Bank and Trust Company of La Junta reported a return on assets of 1.35%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 1.58%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, The Colorado Bank and Trust Company of La Junta is the 31st largest by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 5.1% to $347.3M, loans fell 0.3% and deposits rose 5.7%. Its loan book on September 30, 2026 was led by owner-occupied commercial real estate loans, at 36.4% of total loans, followed by non-owner-occupied commercial real estate loans at 15.6%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in CO; its Pueblo office books 44% of its branch deposits. On its Q3 2026 call report, The Colorado Bank and Trust Company of La Junta meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 Colorado Ave, La Junta, CO 81050
- County
- Otero
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- 1907
- Former names
- The Colorado Bank and Trust Company of La Junta (1961)
- Domestic offices
- 5 branches
- Employees (FTE)
- 46
- Domestic deposits
- $296.5M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $294K
- Average total assets
- $339.1M
- Average total loans
- $269.3M
- Average interest-bearing deposits
- $191.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1141
- Fed RSSD
- 285151
- Website
- wwww.colobank.com →
- Parent Holding Company
- GRINNELL BANCSHARES, INC. (RSSD 1208157)
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, The Colorado Bank and Trust Company of La Junta reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, The Colorado Bank and Trust Company of La Junta's total assets ran between $191.8M (Q4 2023) and $347.3M (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$347.3M total assets against $266.3M; $310.0M total liabilities against $231.1M.
$265.0M net loans and leases against $189.6M; $296.5M total deposits against $217.9M.
$38.5M securities against $46.4M; $30.0M cash and balances due against $17.5M.
$5.5M total interest income against $4.4M; $1.3M total interest expense against $1.1M.
$4.2M net interest income against $3.3M.
$868K total noninterest income against $582K; $3.2M total noninterest expense against $2.4M.
$363K provision for credit losses against $31K.
$1.1M net income against $1.1M.
1.35% return on assets against 1.69%; 5.20% net interest margin against 5.24%.
10.36% tier 1 leverage ratio against 12.61%.
Inside the full The Colorado Bank and Trust Company of La Junta terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Colorado Bank and Trust Company of La Junta rankings
Its closest position to the top of a national ranking is 1,671 of 3,627, for ROA; its furthest is 2,455 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 1.02% (Q1 2026) to 1.69% (Q3 2025) and its net interest margin ran from 4.84% (Q1 2025) to 5.45% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 10.36% | 1.35% | 0.21% | 1.58% | 5.20% |
| Q2 2026 | 10.33% | 1.43% | 0.30% | 2.31% | 5.27% |
| Q1 2026 | 10.41% | 1.02% | 0.20% | 1.46% | 5.03% |
| Q4 2025 | 11.07% | 1.51% | 0.18% | 1.23% | 5.19% |
| Q3 2025 | 12.61% | 1.69% | 0.17% | 0.97% | 5.24% |
| Q2 2025 | 12.49% | 1.68% | 0.19% | 1.02% | 5.08% |
| Q1 2025 | 12.44% | 1.54% | 0.17% | 0.92% | 4.84% |
| Q4 2024 | 13.55% | 1.29% | 0.02% | 0.12% | 5.45% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pueblo Office Branch | Pueblo , CO | 81006 | $123.8M |
| The Colorado Bank and Trust Company of La Junta | La Junta , CO | 81050 | $96.5M |
| Wiley Branch | Wiley , CO | 81092 | $41.7M |
| Buena Vista Branch | Buena Vista , CO | 81211 | $14.8M |
| Lamar Branch | Lamar , CO | 81052 | $3.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action September 23, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in CO, rank 57 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 19 applications, 19 loans originated, $3.2M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $974K approved, $325K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Colorado Bank and Trust Company of La Junta
What are The Colorado Bank and Trust Company of La Junta's total assets?
As of the Q3 2026 filing, The Colorado Bank and Trust Company of La Junta reported total assets of $347.3 million in its FFIEC call report.
Where is The Colorado Bank and Trust Company of La Junta headquartered?
It is headquartered in La Junta, CO, United States.
When was The Colorado Bank and Trust Company of La Junta founded?
It was established in 1907, per the FDIC institution directory.
Is The Colorado Bank and Trust Company of La Junta FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1141). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Colorado Bank and Trust Company of La Junta?
The Colorado Bank and Trust Company of La Junta's primary federal regulator is the Federal Reserve.
How many branches does The Colorado Bank and Trust Company of La Junta operate?
It 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 The Colorado Bank and Trust Company of La Junta's Texas Ratio?
Its Texas Ratio is 1.58% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
What was The Colorado Bank and Trust Company of La Junta previously called?
The charter now named The Colorado Bank and Trust Company of La Junta has also operated as The Colorado Bank and Trust Company of La Junta (1961), per FDIC structure-change records.
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