The Dolores State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Dolores State Bank is an FDIC-insured commercial bank headquartered in Dolores, CO, established in 1959 (FDIC certificate 17959), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $456.3M, up 8.5% from Q2 2025, the 22nd largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 20.94% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17959
- Headquarters
- Dolores, CO
- Established
- 1959
- Total assets, Q2 2026
- $456.3M
- Assets vs Q2 2025
- +8.5%
- CET1 ratio, Q2 2026
- 20.94%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 102104927
- Asset rank in state
- 22nd of 63 in Colorado
The Dolores State Bank runs leaner than most banks of its size. It reported $456 million in assets at June 30, 2026, up 8.5% from a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also funds 15.64% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 17% from a year earlier, to $2.2 million. Over the same year, loans grew 11.5% and deposits grew 3.4%.
As of June 30, 2026, The Dolores State Bank reported a CET1 capital ratio of 20.94%, a return on assets of 1.93%, a nonperforming-loan ratio of 1.02% and a Texas ratio of 4.78%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, The Dolores State Bank is the 22nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $456.3M, loans rose 3.4% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 50.8% of total loans, ahead of construction and land development loans at 14.6%. The FDIC Summary of Deposits lists 4 offices for it, in Cortez, CO, Dolores, CO and Mancos, CO; its Cortez 2 offices book 41% of its branch deposits. Judged on its Q2 2026 call report, The Dolores State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S 6th St, Dolores, CO 81323
- County
- Montezuma
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 5, 1959
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $357.3M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $14K
- Average total assets
- $456.6M
- Average total loans
- $328.0M
- Average interest-bearing deposits
- $270.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 5, 1959
- FDIC Cert
- 17959
- Fed RSSD
- 63050
- Website
- mydsb.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
The Dolores State Bank's total assets moved between a low of $372.8M (Q3 2023) and a high of $456.3M (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
$456.3M total assets against $420.6M; $388.0M total liabilities against $360.9M.
$329.9M net loans and leases against $295.7M; $357.3M total deposits against $345.6M.
$73.4M securities against $81.3M; $30.7M cash and balances due against $22.2M.
$6.4M total interest income against $5.6M; $1.4M total interest expense against $1.1M.
$5.0M net interest income against $4.5M.
$634K total noninterest income against $510K; $2.4M total noninterest expense against $2.3M.
$100K provision for credit losses against $100K.
$2.2M net income against $1.9M.
1.93% return on assets against 1.76%; 4.66% net interest margin against 4.45%.
20.94% CET1 capital ratio against 20.86%; 15.64% tier 1 leverage ratio against 14.97%.
Inside the full The Dolores State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Dolores State Bank rankings
Its closest position to the top of a national ranking is 282 of 3,606, for efficiency ratio; its furthest is 1,882 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.63% (Q1 2025) to 2.31% (Q4 2024) and its net interest margin ran from 4.19% (Q3 2024) to 4.66% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.94% | 1.93% | 1.02% | 4.78% | 4.66% |
| Q1 2026 | 20.67% | 1.77% | 1.23% | 5.81% | 4.43% |
| Q4 2025 | 20.46% | 2.15% | 1.31% | 6.28% | 4.42% |
| Q3 2025 | 20.46% | 1.95% | 1.26% | 6.13% | 4.54% |
| Q2 2025 | 20.86% | 1.76% | 0.96% | 4.64% | 4.45% |
| Q1 2025 | 20.86% | 1.63% | 0.95% | 4.59% | 4.23% |
| Q4 2024 | 20.42% | 2.31% | 1.16% | 5.85% | 4.21% |
| Q3 2024 | 20.37% | 1.74% | 0.77% | 3.78% | 4.19% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Cortez Branch | Cortez , CO | 81321 | $147.6M |
| The Dolores State Bank | Dolores , CO | 81323 | $133.9M |
| Mancos Branch | Mancos , CO | 81328 | $75.9M |
| Cortez Location Branch | Cortez , CO | 81321 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2015 | Structure Change | Acquired Mancos Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CO, rank 45 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $160K approved, $160K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (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 The Dolores State Bank
What are The Dolores State Bank's total assets?
As of the Q2 2026 filing, The Dolores State Bank reported total assets of $456.3 million in its FFIEC call report.
Where is The Dolores State Bank headquartered?
It is headquartered in Dolores, CO, United States.
When was The Dolores State Bank founded?
It was established in 1959, per the FDIC institution directory.
Is The Dolores State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17959). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Dolores State Bank?
The Dolores State Bank's primary federal regulator is the FDIC.
What is The Dolores State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.94% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Dolores State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Dolores State Bank's Texas Ratio?
Its Texas Ratio is 4.78% 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.
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