San Luis Valley Federal Bank
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Data as of · sourced from FFIEC call reports. How we update
San Luis Valley Federal Bank is an FDIC-insured savings institution headquartered in Alamosa, CO, established in 1899 (FDIC certificate 28208), and it is supervised by the OCC. At Q2 2026 it reported total assets of $390.2M, up 4.6% from Q2 2025, the 26th largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 29.43% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28208
- Headquarters
- Alamosa, CO
- Established
- 1899
- Total assets, Q2 2026
- $390.2M
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 29.43%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 302174728
- Latest call report
- Q2 2026, FFIEC 051 · San Luis Valley Federal Bank call report
- Holding company
- COLORADO MUTUAL BANCORP
- Asset rank in state
- 26th of 63 in Colorado
San Luis Valley Federal Bank, based in Alamosa, Colorado, reported $390 million in assets at June 30, 2026, up 4.6% from a year earlier. It pays an average of 0.45% on its deposits and borrowings, a small fraction of the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 29.43% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Net income for the quarter rose 11% from a year earlier, to $1.1 million. Profitability lags: it returns 6.8% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, San Luis Valley Federal Bank reported a CET1 capital ratio of 29.43%, a return on assets of 1.13%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.59%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, San Luis Valley Federal Bank is the 26th largest of the 63 banks headquartered in Colorado. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.3% to $390.2M, loans rose 0.9% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 77.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 6.3%. The FDIC Summary of Deposits lists 3 offices for it, in Alamosa, CO and Monte Vista, CO; its Alamosa 2 offices book 75% of its branch deposits. On its Q2 2026 call report, San Luis Valley Federal Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 401 Edison Ave, Alamosa, CO 81101
- County
- Alamosa
- Metro Area
- Alamosa, CO
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- 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, 1899
- Former names
- San Luis Valley Federal Savings and Loan Association of Alamosa (1988-2000)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $317.9M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $396.0M
- Average total loans
- $274.1M
- Average interest-bearing deposits
- $316.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28208
- Fed RSSD
- 945071
- Website
- www.slvfed.bank →
- Parent Holding Company
- COLORADO MUTUAL BANCORP (RSSD 5373400)
- Ultimate Parent
- COLORADO MUTUAL HOLDING COMPANY (RSSD 5373398)
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
From Q3 2023 to Q2 2026, San Luis Valley Federal Bank's total assets ranged from $373.0M (Q2 2025) to $395.5M (Q1 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
$390.2M total assets against $373.0M; $323.5M total liabilities against $312.4M.
$281.2M net loans and leases against $262.9M; $317.9M total deposits against $304.7M.
$69.6M securities against $79.7M; $14.1M cash and balances due against $4.2M.
$4.7M total interest income against $4.2M; $444K total interest expense against $267K.
$4.2M net interest income against $3.9M.
$706K total noninterest income against $716K; $3.4M total noninterest expense against $3.2M.
$55K provision for credit losses against $114K.
$1.1M net income against $1.0M.
1.13% return on assets against 1.09%; 4.54% net interest margin against 4.43%.
29.43% CET1 capital ratio against 28.19%; 17.98% tier 1 leverage ratio against 17.87%.
Inside the full San Luis Valley Federal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSan Luis Valley Federal Bank rankings
Its closest position to the top of a national ranking is 87 of 2,134, for CET1 ratio; its furthest is 2,906 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.04% (Q3 2024) to 1.27% (Q4 2025) and its net interest margin ran from 4.31% (Q3 2024) to 4.54% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.43% | 1.13% | 0.15% | 0.59% | 4.54% |
| Q1 2026 | 29.78% | 1.11% | 0.18% | 0.73% | 4.37% |
| Q4 2025 | 28.27% | 1.27% | 0.18% | 0.75% | 4.45% |
| Q3 2025 | 29.10% | 1.17% | 0.21% | 0.87% | 4.51% |
| Q2 2025 | 28.19% | 1.09% | 0.25% | 1.04% | 4.43% |
| Q1 2025 | 28.67% | 1.10% | 0.38% | 1.59% | 4.34% |
| Q4 2024 | 26.89% | 1.17% | 0.34% | 1.48% | 4.44% |
| Q3 2024 | 26.97% | 1.04% | 0.44% | 1.85% | 4.31% |
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 |
|---|---|---|---|
| San Luis Valley Federal Bank (main office) | Alamosa , CO | 81101 | $206.2M |
| Monte Vista Branch | Monte Vista , CO | 81144 | $80.9M |
| Alamosa Branch | Alamosa , CO | 81101 | $30.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CO, rank 50 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $395K approved, $395K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (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 San Luis Valley Federal Bank
What are San Luis Valley Federal Bank's total assets?
As of the Q2 2026 filing, San Luis Valley Federal Bank reported total assets of $390.2 million in its FFIEC call report.
Where is San Luis Valley Federal Bank headquartered?
It is headquartered in Alamosa, CO, United States.
When was San Luis Valley Federal Bank founded?
It was established in 1899, per the FDIC institution directory.
Is San Luis Valley Federal Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28208). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates San Luis Valley Federal Bank?
San Luis Valley Federal Bank's primary federal regulator is the OCC.
What is San Luis Valley Federal Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.43% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does San Luis Valley Federal Bank 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 San Luis Valley Federal Bank's Texas Ratio?
Its Texas Ratio is 0.59% 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 San Luis Valley Federal Bank previously called?
The charter now named San Luis Valley Federal Bank has also operated as San Luis Valley Federal Savings and Loan Association of Alamosa (1988-2000), per FDIC structure-change records.
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