The State Bank
The State completed a merger involving an acquired institution in March 2026. Capital moved notably last quarter — CET1 ratio of 31.82% was up 177bps from the prior quarter. The State Bank is a locally rooted FDIC-insured community bank based in LA Junta, CO. On its most recent Q4 2025 call report, The State reported $145M in total assets against $119M in deposits. Profitability is strong — 4.49% ROA, paired with 26.64% ROE and a 4.55% net interest margin. Capital cushions are healthy: 31.82% CET1, 18.14% Tier 1 leverage. Asset quality is solid — 0.54% nonperforming loans and a 1.49% Texas Ratio. It operates 5 branches, primarily in Colorado.
Headquarters Profile
- Address
- 124 Colorado Ave, La Junta, CO 81050
- County
- Otero
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- January 16, 1893
- Branches
- 5 domestic
- Employees (FTE)
- 25
- FDIC Cert
- 1778
- Fed RSSD
- 387055
Capital & Liquidity
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The State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 5 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerMerger -Without AssistanceFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- FailureFailure / assisted resolutionFDIC FAILURES
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
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Frequently asked about The State Bank
What are The State Bank's total assets?
As of the Q1 2026 filing, The State Bank reported total assets of $145.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The State Bank headquartered?
The State Bank is headquartered in La Junta, CO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The State Bank founded?
The State Bank was established in 1893, per the FDIC institution directory.
Is The State Bank FDIC-insured?
Yes. The State Bank is an FDIC-insured commercial bank (FDIC Certificate #1778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The State Bank?
The State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The State Bank's CET1 capital ratio?
The State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 31.82% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does The State Bank operate?
The State Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is The State Bank's Texas Ratio?
The State Bank's Texas Ratio is 1.49% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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