RG Bank, a Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
RG Bank, a Savings and Loan Association is an FDIC-insured savings and loan association headquartered in Monte Vista, CO, established in 1905 (FDIC certificate 28315), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $136.7M, down 0.6% from Q2 2025, the 53rd largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.86% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28315
- Headquarters
- Monte Vista, CO
- Established
- 1905
- Total assets, Q2 2026
- $136.7M
- Assets vs Q2 2025
- -0.6%
- Tier 1 leverage ratio, Q2 2026
- 11.86%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 302170405
- Latest call report
- Q2 2026, FFIEC 051 · RG Bank, a Savings and Loan Association Q3 2026 call report, filed October 13, 2026 (preliminary)
- Asset rank in state
- 53rd of 63 in Colorado
RG Bank, a Savings and Loan Association spends more to run itself than most banks of its size. It reported $137 million in assets at June 30, 2026. It spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.58 a year on every $100 of assets, about half the median of $1.28 for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.50% of loans, down from 1.87% a year earlier. Net income for the quarter rose 11% from a year earlier, to $198,000. Credit is the area to watch: it carries problem assets equal to 10.2% of the capital and reserves that would absorb them, 3.9 times the median of 2.6% for banks its size.
As of June 30, 2026, RG Bank, a Savings and Loan Association reported a return on assets of 0.58%, a nonperforming-loan ratio of 1.50% and a Texas ratio of 10.19%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, RG Bank, a Savings and Loan Association is the 53rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $136.7M, loans rose 2.5% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 67.5% of total loans, followed by construction and land development loans at 7.1%. The FDIC Summary of Deposits lists 3 offices for it, in Monte Vista, CO, Alamosa, CO and Pagosa Springs, CO; its Monte Vista office books 53% of its branch deposits. Judged on its Q2 2026 call report, RG Bank, a Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 901 1st Ave, Monte Vista, CO 81144
- County
- Rio Grande
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $121.4M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $137.5M
- Average total loans
- $107.6M
- Average interest-bearing deposits
- $95.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28315
- Fed RSSD
- 256076
- Website
- www.rgbank.bank →
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, RG Bank, a Savings and Loan Association 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, RG Bank, a Savings and Loan Association's total assets ran between $133.3M (Q1 2024) and $140.1M (Q4 2024), 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
$136.7M total assets against $137.5M; $122.0M total liabilities against $124.4M.
$107.5M net loans and leases against $106.7M; $121.4M total deposits against $122.2M.
$15.9M securities against $17.9M; $5.4M cash and balances due against $5.0M.
$1.7M total interest income against $1.7M; $358K total interest expense against $385K.
$1.3M net interest income against $1.3M.
$163K total noninterest income against $180K; $1.2M total noninterest expense against $1.2M.
$1K provision for credit losses against $3K.
$198K net income against $178K.
0.58% return on assets against 0.52%; 4.01% net interest margin against 3.84%.
11.86% tier 1 leverage ratio against 11.23%.
Inside the full RG Bank, a Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRG Bank, a Savings and Loan Association rankings
Its closest position to the top of a national ranking is 625 of 3,640, for Texas Ratio; its furthest is 3,351 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.02% (Q3 2024) to 0.86% (Q3 2025) and its net interest margin ran from 3.46% (Q3 2024) to 4.26% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.86% | 0.58% | 1.50% | 10.19% | 4.01% |
| Q1 2026 | 11.84% | 0.61% | 1.36% | 9.14% | 4.00% |
| Q4 2025 | 11.65% | 0.72% | 1.41% | 9.76% | 4.26% |
| Q3 2025 | 11.36% | 0.86% | 1.72% | 12.32% | 4.20% |
| Q2 2025 | 11.23% | 0.52% | 1.87% | 14.01% | 3.84% |
| Q1 2025 | 10.95% | 0.29% | 2.39% | 18.05% | 3.68% |
| Q4 2024 | 10.88% | 0.18% | 2.45% | 18.47% | 3.56% |
| Q3 2024 | 11.19% | 0.02% | 2.01% | 14.81% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| RG Bank, a Savings and Loan Association (main office) | Monte Vista , CO | 81144 | $64.7M |
| Mariposa Street Branch | Alamosa , CO | 81101 | $34.7M |
| 80 Piedra Road Branch | Pagosa Springs , CO | 81147 | $22.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CO, rank 92 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 RG Bank, a Savings and Loan Association
What are RG Bank, a Savings and Loan Association's total assets?
As of the Q2 2026 filing, RG Bank, a Savings and Loan Association reported total assets of $136.7 million in its FFIEC call report.
Where is RG Bank, a Savings and Loan Association headquartered?
It is headquartered in Monte Vista, CO, United States.
When was RG Bank, a Savings and Loan Association founded?
It was established in 1905, per the FDIC institution directory.
Is RG Bank, a Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #28315). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates RG Bank, a Savings and Loan Association?
RG Bank, a Savings and Loan Association's primary federal regulator is the FDIC.
How many branches does RG Bank, a Savings and Loan Association operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is RG Bank, a Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 10.19% 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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