High Country Bank
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Data as of · sourced from FFIEC call reports. How we update
High Country Bank is an FDIC-insured commercial bank headquartered in Salida, CO, established in 1886 (FDIC certificate 29783), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $528.5M, up 2.9% from Q2 2025, the 20th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.62% 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
- 29783
- Headquarters
- Salida, CO
- Established
- 1886
- Total assets, Q2 2026
- $528.5M
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 9.62%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 302170463
- Latest call report
- Q2 2026, FFIEC 051 · High Country Bank call report
- Holding company
- HIGH COUNTRY BANCORP, INC.
- Asset rank in state
- 20th of 63 in Colorado
Problem loans are rising at High Country Bank. The Salida, Colorado bank had $528 million in assets at June 30, 2026, up 2.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.34% of loans from 0.91% a year earlier. It keeps 4.73 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 11.0% of the capital and reserves that would absorb them, 4.2 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.5 million, 46% above the same quarter a year earlier. Where it has less room is capital: it funds 9.62% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, High Country Bank reported a return on assets of 1.11%, a nonperforming-loan ratio of 1.34% and a Texas ratio of 11.03%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, High Country Bank is the 20th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $528.5M, loans rose 0.1% and deposits rose 2.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 48.9% of total loans, followed by owner-occupied commercial real estate loans at 20.0%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in CO; its Salida 2 offices book 55% of its branch deposits. Judged on its Q2 2026 call report, High Country Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7360 W Us Highway 50, Salida, CO 81201
- County
- Chaffee
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1886
- Former names
- The Salida Building and Loan Association (1988-2000)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 94
- Domestic deposits
- $450.5M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $526.1M
- Average total loans
- $440.3M
- Average interest-bearing deposits
- $320.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29783
- Fed RSSD
- 479370
- SEC CIK
- 1044676 → filed by HIGH COUNTRY BANCORP, INC.
- Website
- www.highcountrybank.net →
- Parent Holding Company
- HIGH COUNTRY BANCORP, INC. (RSSD 3833834)
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, High Country Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
High Country Bank's total assets moved between a low of $448.4M (Q3 2023) and a high of $533.0M (Q4 2025) 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
$528.5M total assets against $513.6M; $479.4M total liabilities against $471.1M.
$440.5M net loans and leases against $426.1M; $450.5M total deposits against $424.0M.
$56.7M securities against $57.5M; $11.7M cash and balances due against $10.2M.
$7.6M total interest income against $7.5M; $1.6M total interest expense against $1.8M.
$6.0M net interest income against $5.7M.
$530K total noninterest income against $544K; $4.6M total noninterest expense against $4.7M.
$0 provision for credit losses against $300K.
$1.5M net income against $1.0M.
1.11% return on assets against 0.79%; 4.73% net interest margin against 4.59%.
9.62% tier 1 leverage ratio against 8.72%.
Inside the full High Country Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHigh Country Bank rankings
Its closest position to the top of a national ranking is 545 of 3,640, for Texas Ratio; its furthest is 2,805 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.68% (Q4 2024) to 1.34% (Q4 2025) and its net interest margin ran from 4.38% (Q3 2024) to 4.73% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.62% | 1.11% | 1.34% | 11.03% | 4.73% |
| Q1 2026 | 9.43% | 1.06% | 1.34% | 11.09% | 4.55% |
| Q4 2025 | 9.30% | 1.34% | 1.22% | 10.33% | 4.67% |
| Q3 2025 | 8.66% | 0.70% | 1.53% | 13.77% | 4.51% |
| Q2 2025 | 8.72% | 0.79% | 0.91% | 8.26% | 4.59% |
| Q1 2025 | 8.81% | 1.02% | 0.92% | 8.23% | 4.47% |
| Q4 2024 | 8.74% | 0.68% | 0.97% | 8.89% | 4.50% |
| Q3 2024 | 8.79% | 0.74% | 0.79% | 7.05% | 4.38% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| High Country Bank (main office) | Salida , CO | 81201 | $188.4M |
| Buena Vista Branch | Buena Vista , CO | 81211 | $127.6M |
| Canon City Branch | Canon City , CO | 81212 | $66.7M |
| Second Street Branch | Salida , CO | 81201 | $59.9M |
| Longmont Branch | Longmont , CO | 80501 | $7.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC (former OTS)); 7 against individuals associated with it
- December 2, 2004, OCC (former OTS): Supervisory Agreement: High Country Bank
- February 6, 1992, OCC (former OTS): Supervisory Agreement: Salida Building and Loan Association
- Period: Most recent institution action December 2, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in CO, rank 37 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 219 applications, 176 loans originated, $72.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $124K approved, $124K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 High Country Bank
What are High Country Bank's total assets?
As of the Q2 2026 filing, High Country Bank reported total assets of $528.5 million in its FFIEC call report.
Where is High Country Bank headquartered?
It is headquartered in Salida, CO, United States.
When was High Country Bank founded?
It was established in 1886, per the FDIC institution directory.
Is High Country Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29783). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates High Country Bank?
High Country Bank's primary federal regulator is the Federal Reserve.
How many branches does High Country Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is High Country Bank's Texas Ratio?
Its Texas Ratio is 11.03% 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 High Country Bank previously called?
The charter now named High Country Bank has also operated as The Salida Building and Loan Association (1988-2000), per FDIC structure-change records.
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