Rocky Mountain Bank and Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Rocky Mountain Bank and Trust is the primary bank subsidiary of its parent holding company, headquartered in Florence, CO. The Q2 2026 balance sheet stands at $127M in assets, including $60M in loans. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.23% exceeds the CBLR threshold. The bank posts a strong 1.48% ROA and 12.18% ROE. Asset quality merits closer attention with NPLs at 1.71%. 2 branches make up the footprint.
As of June 30, 2026, Rocky Mountain Bank and Trust reported a Tier 1 leverage ratio of 13.23%, a return on assets of 1.48%, a nonperforming-loan ratio of 1.71%, a Texas ratio of 6.10%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 101 E Main St, Florence, CO 81226
- County
- Fremont
- Metro Area
- Canon City, CO
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 31, 1900
- Former names
- Rocky Mountain Bank & Trust (1995)
- Offices
- 2 domestic
- Employees (FTE)
- 22
- Domestic deposits
- $109.9M
- Allowance for credit losses
- $977K
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $129.3M
- Average total loans
- $60.3M
- Average interest-bearing deposits
- $84.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3019
- Fed RSSD
- 249658
- SEC CIK
- 1202642 → filed by FIRST FLO CORPORATION
- Website
- www.rmbt.com →
- Parent Holding Company
- FIRST FLO CORPORATION (RSSD 1067233)
Profitability
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. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
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 Rocky Mountain Bank and Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Rocky Mountain Bank and Trust, freeRocky Mountain Bank and Trust 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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.23% | 1.48% | 1.71% | 6.10% | 3.84% |
| Q1 2026 | 13.12% | 1.52% | 1.79% | 6.68% | 3.90% |
| Q4 2025 | 13.08% | 1.35% | 1.76% | 7.23% | 4.17% |
| Q3 2025 | 13.13% | 2.09% | 1.93% | 10.06% | 4.23% |
| Q2 2025 | 12.72% | 3.33% | 2.12% | 8.89% | 4.08% |
| Q1 2025 | 11.91% | 1.28% | 2.28% | 10.05% | 3.71% |
| Q4 2024 | 11.29% | 0.98% | 2.41% | 11.40% | 3.67% |
| Q3 2024 | 11.37% | 1.03% | 2.74% | 11.40% | 3.49% |
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 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cheyenne Meadows Branch | Colorado Springs , CO | 80906 | $60.9M |
| Rocky Mountain Bank & Trust | Florence , CO | 81226 | $49.0M |
Regulatory record
What the public regulatory sources show for Rocky Mountain Bank and Trust, 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
- 1 against the institution (Federal Reserve)
- July 16, 2009, Federal Reserve: Written Agreement: First Flo Corporation, Florence, Colorado
- Period: Most recent institution action July 16, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CO, rank 94 of 124 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. 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 Rocky Mountain Bank and Trust’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Rocky Mountain Bank and Trust 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 Rocky Mountain Bank and Trust
What are Rocky Mountain Bank and Trust's total assets?
As of the Q2 2026 filing, Rocky Mountain Bank and Trust reported total assets of $126.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Rocky Mountain Bank and Trust headquartered?
Rocky Mountain Bank and Trust is headquartered in Florence, CO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Rocky Mountain Bank and Trust founded?
Rocky Mountain Bank and Trust was established in 1900, per the FDIC institution directory.
Is Rocky Mountain Bank and Trust FDIC-insured?
Yes. Rocky Mountain Bank and Trust is an FDIC-insured commercial bank (FDIC Certificate #3019). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rocky Mountain Bank and Trust?
Rocky Mountain Bank and Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Rocky Mountain Bank and Trust operate?
Rocky Mountain Bank and Trust 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 Rocky Mountain Bank and Trust's Texas Ratio?
Rocky Mountain Bank and Trust's Texas Ratio is 6.10% 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 Rocky Mountain Bank and Trust previously called?
The charter now named Rocky Mountain Bank and Trust has also operated as Rocky Mountain Bank & Trust (1995), per FDIC structure-change records.
Go deeper on Rocky Mountain Bank and Trust.
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 Rocky Mountain Bank and Trust, freeFree account