The Eastern Colorado Bank
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Data as of · sourced from FFIEC call reports. How we update
The Eastern Colorado Bank is an FDIC-insured commercial bank headquartered in Cheyenne Wells, CO, established in 1944 (FDIC certificate 16125), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $720.9M, up 5.6% from Q2 2025, the 13th largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 14.22% 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
- 16125
- Headquarters
- Cheyenne Wells, CO
- Established
- 1944
- Total assets, Q2 2026
- $720.9M
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 14.22%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 102104684
- Latest call report
- Q2 2026, FFIEC 051 · The Eastern Colorado Bank call report
- Holding company
- WEED INVESTMENT GROUP, INC.
- Asset rank in state
- 13th of 63 in Colorado
The Eastern Colorado Bank, based in Cheyenne Wells, Colorado, reported $721 million in assets at June 30, 2026, up 5.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also shrank its loan book 5.9% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 5.9% and deposits rose 5.1%.
As of June 30, 2026, The Eastern Colorado Bank reported a CET1 capital ratio of 14.22%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
The Eastern Colorado Bank ranks as the 13th largest of the 63 banks based in Colorado, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $720.9M, loans fell 2.4% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 23.6% of total loans, followed by agricultural production loans at 20.0%. Its 8 offices in the FDIC Summary of Deposits are in 6 cities across 2 states; its Cheyenne Wells office books 34% of its branch deposits. On its Q2 2026 call report, The Eastern Colorado Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10 S 1st St E, Cheyenne Wells, CO 80810
- County
- Cheyenne
- 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
- March 1, 1944
- Former names
- The Eastern Colorado Bank (2010)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 82
- Domestic deposits
- $603.0M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $727.7M
- Average total loans
- $460.2M
- Average interest-bearing deposits
- $455.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 1, 1944
- FDIC Cert
- 16125
- Fed RSSD
- 775054
- SEC CIK
- 1720449 → filed by WEED INVESTMENT GROUP, INC.
- Website
- www.yourfriendlybank.com →
- Parent Holding Company
- WEED INVESTMENT GROUP, INC. (RSSD 3189894)
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
Over the 12 quarters to Q2 2026, The Eastern Colorado Bank's total assets ran between $624.6M (Q3 2023) and $720.9M (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
$720.9M total assets against $682.5M; $639.2M total liabilities against $613.7M.
$448.4M net loans and leases against $477.4M; $603.0M total deposits against $573.7M.
$130.6M securities against $104.3M; $71.4M cash and balances due against $35.8M.
$9.1M total interest income against $9.0M; $3.0M total interest expense against $3.3M.
$6.1M net interest income against $5.7M.
$494K total noninterest income against $460K; $4.6M total noninterest expense against $3.9M.
$90K provision for credit losses against $100K.
$1.9M net income against $1.9M.
1.04% return on assets against 1.09%; 3.73% net interest margin against 3.72%.
14.22% CET1 capital ratio against 12.42%; 11.31% tier 1 leverage ratio against 10.39%.
Inside the full The Eastern Colorado Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Eastern Colorado Bank rankings
Its closest position to the top of a national ranking is 1,343 of 4,196, for total assets; its furthest is 3,385 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.98% (Q4 2024) to 1.25% (Q1 2026) and its net interest margin ran from 3.48% (Q4 2024) to 3.90% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.22% | 1.04% | 0.00% | 0.00% | 3.73% |
| Q1 2026 | 13.19% | 1.25% | 0.00% | 0.00% | 3.87% |
| Q4 2025 | 12.84% | 1.11% | 0.00% | 0.00% | 3.90% |
| Q3 2025 | 12.80% | 1.18% | 0.00% | 0.00% | 3.90% |
| Q2 2025 | 12.42% | 1.09% | 0.11% | 0.75% | 3.72% |
| Q1 2025 | 12.18% | 1.21% | 0.10% | 0.75% | 3.69% |
| Q4 2024 | 12.29% | 0.98% | 0.00% | 0.00% | 3.48% |
| Q3 2024 | 12.43% | 1.11% | 0.08% | 0.54% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| The Eastern Colorado Bank | Cheyenne Wells , CO | 80810 | $204.2M |
| Burlington Branch | Burlington , CO | 80807 | $127.2M |
| Colorado Springs Branch | Colorado Springs , CO | 80903 | $95.2M |
| Limon Branch | Limon , CO | 80828 | $80.0M |
| Sharon Springs Branch | Sharon Springs , KS | 67758 | $68.2M |
| Kit Carson Branch | Kit Carson , CO | 80825 | $28.4M |
| Colorado Springs Branch | Colorado Springs , CO | 80921 | $0 |
| Eastern Colorado Bank - Sand Hill Branch | Colorado Springs , CO | 80939 | $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 |
|---|---|---|---|
| December 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Structure Change | Acquired Kit Carson State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 13, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in CO, rank 34 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 35 applications, 22 loans originated, $11.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Eastern Colorado Bank
What are The Eastern Colorado Bank's total assets?
As of the Q2 2026 filing, The Eastern Colorado Bank reported total assets of $720.9 million in its FFIEC call report.
Where is The Eastern Colorado Bank headquartered?
It is headquartered in Cheyenne Wells, CO, United States.
When was The Eastern Colorado Bank founded?
It was established in 1944, per the FDIC institution directory.
Is The Eastern Colorado Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16125). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Eastern Colorado Bank?
The Eastern Colorado Bank's primary federal regulator is the FDIC.
What is The Eastern Colorado Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Eastern Colorado Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Eastern Colorado Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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 The Eastern Colorado Bank previously called?
The charter now named The Eastern Colorado Bank has also operated as The Eastern Colorado Bank (2010), per FDIC structure-change records.
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