The Eastern Colorado Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 14.22% was up 103bps from the prior quarter. The Eastern Colorado Bank is a locally rooted FDIC-insured community bank based in Cheyenne Wells, CO. On its most recent Q2 2026 call report, The Eastern Colorado reported $721M in total assets against $603M in deposits. Returns are in line with industry norms at 1.04% ROA and 9.57% ROE; net interest margin is 3.73%. Capital cushions are healthy: 14.22% CET1, 11.31% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.00%. It operates 8 branches, primarily in Colorado.
As of June 30, 2026, The Eastern Colorado Bank reported a CET1 capital ratio of 14.22%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 10 S 1st St E, Cheyenne Wells, CO 80810
- County
- Cheyenne
- 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 1, 1944
- Former names
- The Eastern Colorado Bank (2010)
- Offices
- 8 domestic
- Employees (FTE)
- 82
- Domestic deposits
- $603.0M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $727.7M
- Average total loans
- $460.2M
- Average interest-bearing deposits
- $455.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 1, 1944
- FDIC Cert
- 16125
- Fed RSSD
- 775054
- SEC CIK
- 1720449 → filed by WEED INVESTMENT GROUP, INC.
- Website
- www.yourfriendlybank.com →
- Parent Holding Company
- WEED INVESTMENT GROUP, INC. (RSSD 3189894)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Eastern Colorado Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Eastern Colorado Bank, freeThe Eastern Colorado Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.22% | 1.04% | 0.00% | 0.00% | 3.73% |
| Q1 2026 | 13.19% | 1.25% | 0.00% | 0.00% | 3.87% |
| Q4 2025 | 12.84% | 1.11% | 0.00% | 0.00% | 3.90% |
| Q3 2025 | 12.80% | 1.18% | 0.00% | 0.00% | 3.90% |
| Q2 2025 | 12.42% | 1.09% | 0.11% | 0.75% | 3.72% |
| Q1 2025 | 12.18% | 1.21% | 0.10% | 0.75% | 3.69% |
| Q4 2024 | 12.29% | 0.98% | 0.00% | 0.00% | 3.48% |
| Q3 2024 | 12.43% | 1.11% | 0.08% | 0.55% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Eastern Colorado Bank | Cheyenne Wells , CO | 80810 | $204.2M |
| Burlington Branch | Burlington , CO | 80807 | $127.2M |
| Colorado Springs Branch | Colorado Springs , CO | 80903 | $95.2M |
| Limon Branch | Limon , CO | 80828 | $80.0M |
| Sharon Springs Branch | Sharon Springs , KS | 67758 | $68.2M |
| Kit Carson Branch | Kit Carson , CO | 80825 | $28.4M |
| Colorado Springs Branch | Colorado Springs , CO | 80921 | $0 |
| Eastern Colorado Bank - Sand Hill Branch | Colorado Springs , CO | 80939 | $0 |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Structure Change | Acquired Kit Carson State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 13, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for The Eastern Colorado Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in CO, rank 34 of 124 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 35 applications, 22 loans originated, $11.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The Eastern Colorado Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The Eastern Colorado Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about The Eastern Colorado Bank
What are The Eastern Colorado Bank's total assets?
As of the Q2 2026 filing, The Eastern Colorado Bank reported total assets of $720.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Eastern Colorado Bank headquartered?
The Eastern Colorado Bank is headquartered in Cheyenne Wells, CO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Eastern Colorado Bank founded?
The Eastern Colorado Bank was established in 1944, per the FDIC institution directory.
Is The Eastern Colorado Bank FDIC-insured?
Yes. The Eastern Colorado Bank is an FDIC-insured commercial bank (FDIC Certificate #16125). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Eastern Colorado Bank?
The Eastern Colorado 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 Eastern Colorado Bank's CET1 capital ratio?
The Eastern Colorado Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Eastern Colorado Bank operate?
The Eastern Colorado Bank operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Eastern Colorado Bank's Texas Ratio?
The Eastern Colorado Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Eastern Colorado Bank previously called?
The charter now named The Eastern Colorado Bank has also operated as The Eastern Colorado Bank (2010), per FDIC structure-change records.
Go deeper on The Eastern Colorado Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The Eastern Colorado Bank, freeFree account