McClave State Bank
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Data as of · sourced from FFIEC call reports. How we update
McClave State Bank is an FDIC-insured commercial bank headquartered in McClave, CO, established in 1920 (FDIC certificate 11261), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $78.9M, down 0.1% from Q2 2025, the 58th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.04% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11261
- Headquarters
- McClave, CO
- Established
- 1920
- Total assets, Q2 2026
- $78.9M
- Assets vs Q2 2025
- -0.1%
- Tier 1 leverage ratio, Q2 2026
- 14.04%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 102104341
- Latest call report
- Q2 2026, FFIEC 051 · McClave State Bank call report
- Asset rank in state
- 58th of 63 in Colorado
McClave State Bank, based in Mc Clave, Colorado, reported $79 million in assets at June 30, 2026. 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 583 banks with less than $100 million in assets (median 1.4%). On the other hand, it pays an average of 2.86% on its deposits and borrowings, about double the median of 1.53% for banks its size.
Earnings jumped: net income for the quarter was $378,000, 31% 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 0.00% of loans from 0.30%.
As of June 30, 2026, McClave State Bank reported a return on assets of 1.91%, 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.
McClave State Bank ranks as the 58th largest of the 63 banks based in Colorado, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $78.9M, loans rose 4.9% and deposits fell 0.9%. Its loan book on June 30, 2026 was led by agricultural production loans, at 34.5% of total loans, followed by farmland and other real estate loans at 32.0%. The FDIC Summary of Deposits lists 2 offices for it, in Mcclave, CO and Lamar, CO; its Mcclave office books 86% of its branch deposits. Judged on its Q2 2026 call report, McClave State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E 1st St, McClave, CO 81057
- County
- Bent
- 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 9, 1920
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $65.5M
- Allowance for credit losses
- $823K
- Net charge-offs (YTD)
- $4K
- Average total assets
- $79.1M
- Average total loans
- $67.1M
- Average interest-bearing deposits
- $58.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11261
- Fed RSSD
- 399357
- Website
- http://www.mcclavebank.com →
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, McClave State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
McClave State Bank's total assets moved between a low of $64.0M (Q3 2023) and a high of $84.4M (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
$78.9M total assets against $79.0M; $67.9M total liabilities against $69.1M.
$68.1M net loans and leases against $68.8M; $65.5M total deposits against $65.6M.
$4.2M securities against $4.3M; $2.7M cash and balances due against $1.6M.
$1.4M total interest income against $1.4M; $469K total interest expense against $529K.
$962K net interest income against $904K.
$29K total noninterest income against $24K; $491K total noninterest expense against $473K.
$0 provision for credit losses against $60K.
$378K net income against $289K.
1.91% return on assets against 1.49%; 5.13% net interest margin against 4.92%.
14.04% tier 1 leverage ratio against 12.84%.
Inside the full McClave State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
McClave State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.24% (Q4 2025) to 1.91% (Q2 2026) and its net interest margin ran from 4.55% (Q3 2025) to 5.13% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.04% | 1.91% | 0.00% | 0.00% | 5.13% |
| Q1 2026 | 12.98% | 1.71% | 0.41% | 0.24% | 4.73% |
| Q4 2025 | 12.82% | 1.24% | 1.09% | 4.78% | 4.71% |
| Q3 2025 | 12.69% | 1.43% | 0.37% | 0.00% | 4.55% |
| Q2 2025 | 12.84% | 1.49% | 0.65% | 2.00% | 4.92% |
| Q1 2025 | 12.75% | 1.56% | 0.00% | 0.00% | 4.69% |
| Q4 2024 | 12.65% | 1.28% | 0.00% | 0.93% | 4.88% |
| Q3 2024 | 12.64% | 1.62% | 0.54% | 3.57% | 4.80% |
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 |
|---|---|---|---|
| McClave State Bank (main office) | Mcclave , CO | 81057 | $56.2M |
| Mcclave State Bank Branch | Lamar , CO | 81052 | $9.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CO, rank 106 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 McClave State Bank
What are McClave State Bank's total assets?
As of the Q2 2026 filing, McClave State Bank reported total assets of $78.9 million in its FFIEC call report.
Where is McClave State Bank headquartered?
It is headquartered in McClave, CO, United States.
When was McClave State Bank founded?
It was established in 1920, per the FDIC institution directory.
Is McClave State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11261). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates McClave State Bank?
McClave State Bank's primary federal regulator is the FDIC.
How many branches does McClave State Bank 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 McClave State 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.
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