Bank Comparison
Colorado Bank and Trust Company of La Junta, the vs Alamosa State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Colorado Bank and Trust Company of La Junta, the | Alamosa State Bank |
|---|---|---|
| CET1 Ratio | — | 22.31% |
| Tier 1 Capital Ratio | — | 22.31% |
| Total Capital Ratio | — | 23.51% |
| Tier 1 Leverage Ratio | 10.41% | 12.67% |
| Equity / Assets | 10.88% | 12.49% |
Profitability
| Metric | Colorado Bank and Trust Company of La Junta, the | Alamosa State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.02% | 2.33% |
| Return on Equity (ROE) | 9.02% | 18.94% |
| Net Interest Margin (NIM) | 5.03% | 3.94% |
| Yield on Earning Assets | 6.58% | 4.76% |
| Cost of Funds | 1.64% | 0.90% |
Asset quality
| Metric | Colorado Bank and Trust Company of La Junta, the | Alamosa State Bank |
|---|---|---|
| Texas Ratio | 2.70% | 0.00% |
| Non-Performing Loan Ratio | 0.37% | 0.00% |
| Non-Performing Asset Ratio | 0.28% | 0.00% |
| Net Charge-Off Ratio | 0.20% | 0.02% |
| ACL / Loans | 0.98% | 1.18% |
Balance sheet
| Metric | Colorado Bank and Trust Company of La Junta, the | Alamosa State Bank |
|---|---|---|
| Total Assets | $332,902K | $326,178K |
| Total Deposits | $283,818K | $283,509K |
| Total Loans | $245,952K | $173,077K |
| Total Equity | $36,213K | $40,734K |
| Net Income (quarter) | $815 | $1,922K |
Liquidity & funding
| Metric | Colorado Bank and Trust Company of La Junta, the | Alamosa State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.66% | 61.05% |
| Core Deposit Ratio | 93.16% | 88.31% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Colorado Bank and Trust Company of La Junta, the | Alamosa State Bank |
|---|---|---|
| Headquarters City | LA JUNTA | ALAMOSA |
| Headquarters State | CO | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 49 | 31 |
| Established | Jan. 1, 1907, midnight | March 1, 1907, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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