The Gunnison Bank and Trust Company
Also written as GB&T
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Data as of · sourced from FFIEC call reports. How we update
The Gunnison Bank and Trust Company is an FDIC-insured commercial bank headquartered in Gunnison, CO, supervised by the Federal Reserve, with $255.4M in total assets at Q2 2026, up 6.2% from Q2 2025, the 39th largest of 63 banks headquartered in Colorado. It was established in 1910 and holds FDIC certificate 11259. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.86% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11259
- Headquarters
- Gunnison, CO
- Established
- 1910
- Total assets, Q2 2026
- $255.4M
- Assets vs Q2 2025
- +6.2%
- Tier 1 leverage ratio, Q2 2026
- 13.86%
- Domestic offices
- 2 · The Gunnison Bank and Trust Company branches FDIC institution directory, current count
- Routing number
- 102101276
- Safety and soundness
- Is The Gunnison Bank and Trust Company safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Gunnison Bank and Trust Company Q3 2026 call report, filed October 16, 2026 (preliminary)
- Holding company
- LINDOE, INC.
- Asset rank in state
- 39th of 63 in Colorado
The Gunnison Bank and Trust Company received FDIC open-bank assistance in December 1991, one of the rare cases where the FDIC intervened to preserve operations rather than close the bank. The Gunnison Bank and Trust Company earns an unusually wide margin on its lending. Based in Gunnison, Colorado, it had $255 million in assets at June 30, 2026, up 6.2% from a year earlier. It keeps 5.45 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also earns about $2.16 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Its $34 million non-owner-occupied commercial real estate book is improving, with 1.94% past due or on nonaccrual, down from 2.50% a year earlier.
As of June 30, 2026, The Gunnison Bank and Trust Company reported a return on assets of 2.16%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.24%. The figures come from its call report filed with the FFIEC.
The Gunnison Bank and Trust Company ranks as the 39th largest of the 63 banks based in Colorado, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.3% to $255.4M, loans rose 5.9% and deposits rose 3.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 44.5% of total loans, followed by non-owner-occupied commercial real estate loans at 18.5%. The FDIC Summary of Deposits lists 2 offices for it, in Gunnison, CO and Crested Butte, CO; its Gunnison office books 79% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Gunnison Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 232 W Tomichi Ave, Gunnison, CO 81230
- County
- Gunnison
- 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 051
- Established
- December 23, 1910
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $209.8M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $247.4M
- Average total loans
- $179.8M
- Average interest-bearing deposits
- $107.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11259
- Fed RSSD
- 502559
- SEC CIK
- 1876650 → filed by LINDOE, INC.
- Website
- www.gunnisonbank.com →
- Parent Holding Company
- LINDOE, INC. (RSSD 1052387)
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, The Gunnison Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Gunnison Bank and Trust Company's total assets ran between $230.2M (Q4 2023) and $255.4M (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
$255.4M total assets against $240.6M; $222.3M total liabilities against $210.8M.
$181.5M net loans and leases against $166.8M; $209.8M total deposits against $198.1M.
$30.0M securities against $35.4M; $25.6M cash and balances due against $22.1M.
$3.7M total interest income against $3.3M; $582K total interest expense against $550K.
$3.1M net interest income against $2.8M.
$491K total noninterest income against $498K; $1.8M total noninterest expense against $1.7M.
$30K provision for credit losses against $20K.
$1.3M net income against $1.2M.
2.16% return on assets against 2.09%; 5.45% net interest margin against 5.20%.
13.86% tier 1 leverage ratio against 13.62%.
Inside the full The Gunnison Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Gunnison Bank and Trust Company rankings
Its closest position to the top of a national ranking is 342 of 3,611, for ROA; its furthest is 3,128 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.16% (Q4 2024) to 2.30% (Q3 2025) and its net interest margin ran from 4.93% (Q4 2024) to 5.45% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.86% | 2.16% | 0.05% | 0.24% | 5.45% |
| Q1 2026 | 13.38% | 1.97% | 0.05% | 0.25% | 5.11% |
| Q4 2025 | 12.82% | 1.22% | 0.06% | 0.31% | 4.97% |
| Q3 2025 | 12.98% | 2.30% | 0.05% | 0.26% | 5.24% |
| Q2 2025 | 13.62% | 2.09% | 0.05% | 0.27% | 5.20% |
| Q1 2025 | 13.39% | 1.85% | 0.00% | 0.00% | 5.06% |
| Q4 2024 | 12.41% | 1.16% | 0.00% | 0.00% | 4.93% |
| Q3 2024 | 11.81% | 2.00% | 1.72% | 9.35% | 4.95% |
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 |
|---|---|---|---|
| The Gunnison Bank and Trust Company | Gunnison , CO | 81230 | $165.8M |
| Crested Butte Branch | Crested Butte , CO | 81224 | $44.0M |
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 9, 1991 | FDIC Assistance | Open Bank Assistance | FDIC |
| October 2, 1991 | FDIC Assistance | Open-bank assistance (not a failure) | FDIC FAILURES |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CO, rank 71 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $202K approved, $202K 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
- 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 Gunnison Bank and Trust Company
What are The Gunnison Bank and Trust Company's total assets?
As of the Q2 2026 filing, The Gunnison Bank and Trust Company reported total assets of $255.4 million in its FFIEC call report.
Where is The Gunnison Bank and Trust Company headquartered?
It is headquartered in Gunnison, CO, United States.
When was The Gunnison Bank and Trust Company founded?
It was established in 1910, per the FDIC institution directory.
Is The Gunnison Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11259). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Gunnison Bank and Trust Company?
The Gunnison Bank and Trust Company's primary federal regulator is the Federal Reserve.
How many branches does The Gunnison Bank and Trust Company 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 The Gunnison Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.24% 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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