Del Norte Bank, a Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Del Norte Bank, a Savings and Loan Association is an FDIC-insured savings and loan association headquartered in Del Norte, CO, established in 1921 (FDIC certificate 29066), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $155.3M, up 5.0% from Q2 2025, the 50th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.69% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29066
- Headquarters
- Del Norte, CO
- Established
- 1921
- Total assets, Q2 2026
- $155.3M
- Assets vs Q2 2025
- +5.0%
- Tier 1 leverage ratio, Q2 2026
- 10.69%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 302170162
- Latest call report
- Q2 2026, FFIEC 051 · Del Norte Bank, a Savings and Loan Association call report
- Holding company
- DEL NORTE M.H.C.
- Asset rank in state
- 50th of 63 in Colorado
Del Norte Bank, a Savings and Loan Association earns an unusually wide margin on its lending. It reported $155 million in assets at June 30, 2026, up 5.0% from a year earlier. It keeps 4.80 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for banks its size.
Earnings jumped: net income for the quarter was $510,000, 36% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.04% of loans from 0.52%.
As of June 30, 2026, Del Norte Bank, a Savings and Loan Association reported a return on assets of 1.32%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Del Norte Bank, a Savings and Loan Association is the 50th largest of the 63 banks headquartered in Colorado. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $155.3M, loans rose 0.8% and deposits rose 3.4%. 1-4 family residential loans made up 33.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 17.2%. The FDIC Summary of Deposits lists 2 offices for it, in Del Norte, CO and Creede, CO; its Del Norte office books 83% of its branch deposits. Judged on its Q2 2026 call report, Del Norte Bank, a Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 705 Grand Ave, Del Norte, CO 81132
- County
- Rio Grande
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1921
- Former names
- Del Norte Bank (2011); Del Norte Federal Bank (2006-2011)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $127.2M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $154.9M
- Average total loans
- $124.9M
- Average interest-bearing deposits
- $94.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29066
- Fed RSSD
- 705378
- Website
- www.truelocalbank.com →
- Parent Holding Company
- DEL NORTE M.H.C. (RSSD 4097969)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Del Norte Bank, a Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Del Norte Bank, a Savings and Loan Association's total assets moved between a low of $137.1M (Q4 2023) and a high of $155.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$155.3M total assets against $147.9M; $139.9M total liabilities against $134.3M.
$124.8M net loans and leases against $118.9M; $127.2M total deposits against $123.0M.
$9.8M securities against $10.2M; $9.9M cash and balances due against $10.2M.
$2.4M total interest income against $2.2M; $688K total interest expense against $618K.
$1.7M net interest income against $1.6M.
$192K total noninterest income against $98K; $1.3M total noninterest expense against $1.1M.
$15K provision for credit losses against $15K.
$510K net income against $376K.
1.32% return on assets against 1.04%; 4.80% net interest margin against 4.70%.
10.69% tier 1 leverage ratio against 10.47%.
Inside the full Del Norte Bank, a Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDel Norte Bank, a Savings and Loan Association rankings
Its closest position to the top of a national ranking is 1,708 of 3,611, for ROA; its furthest is 3,083 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.79% (Q3 2024) to 1.32% (Q2 2026) and its net interest margin ran from 4.31% (Q3 2024) to 4.98% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.69% | 1.32% | 0.04% | 0.31% | 4.80% |
| Q1 2026 | 10.48% | 1.11% | 1.34% | 10.36% | 4.60% |
| Q4 2025 | 10.17% | 0.91% | 0.45% | 3.53% | 4.98% |
| Q3 2025 | 10.31% | 0.97% | 0.78% | 6.03% | 4.51% |
| Q2 2025 | 10.47% | 1.04% | 0.52% | 4.20% | 4.70% |
| Q1 2025 | 10.40% | 0.99% | 0.10% | 0.81% | 4.53% |
| Q4 2024 | 9.96% | 1.27% | 0.36% | 3.67% | 4.52% |
| Q3 2024 | 10.30% | 0.79% | 0.49% | 3.82% | 4.31% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Del Norte Bank | Del Norte , CO | 81132 | $105.0M |
| Creede Branch | Creede , CO | 81130 | $22.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CO, rank 89 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $52K approved, $52K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Del Norte Bank, a Savings and Loan Association
What are Del Norte Bank, a Savings and Loan Association's total assets?
As of the Q2 2026 filing, Del Norte Bank, a Savings and Loan Association reported total assets of $155.3 million in its FFIEC call report.
Where is Del Norte Bank, a Savings and Loan Association headquartered?
It is headquartered in Del Norte, CO, United States.
When was Del Norte Bank, a Savings and Loan Association founded?
It was established in 1921, per the FDIC institution directory.
Is Del Norte Bank, a Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #29066). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Del Norte Bank, a Savings and Loan Association?
Del Norte Bank, a Savings and Loan Association's primary federal regulator is the FDIC.
How many branches does Del Norte Bank, a Savings and Loan Association operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Del Norte Bank, a Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 0.31% in its Q2 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 non-performing assets against the bank's capital and reserves.
What was Del Norte Bank, a Savings and Loan Association previously called?
The charter now named Del Norte Bank, a Savings and Loan Association has also operated as Del Norte Bank (2011), Del Norte Federal Bank (2006-2011), per FDIC structure-change records.
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