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Rocky Mountain Bank & Trust
Florence, CO · FDIC Certificate #3019 · Chartered 05/3
Total assets
$126.52M
Total deposits
$109.91M
Total equity
$15.95M
Net loans
$59.37M
Branches (offices)
2
Net income (YTD)
$960.00K
Rank: #3,479 of 4,213 U.S. banks by assets · #54 of 63 in Colorado. Assets changed 8.3% and deposits 7.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.54% |
| Return on equity | 12.38% |
| Net interest margin (YTD) | 4.06% |
| Equity to assets | 12.60% |
| Tier 1 leverage ratio | 13.23% |
| Uninsured deposits (share of deposits) | 22.4% |
| Noncurrent loans (share of loans) | 1.71% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 54.0% |
| Real estate loans (share of loans) | 77.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $46.13M | 77.7% | |
| Commercial & industrial | $10.03M | 16.9% | |
| Consumer / individual | $2.66M | 4.5% | |
| Construction & development | $794.00K | 1.3% | |
| Agricultural | $998.00K | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $103.64M | $93.59M | $345.00K | $9.09M |
| Jun 2023 | $122.25M | $91.43M | $1.06M | $10.08M |
| Jun 2024 | $120.32M | $98.59M | $805.00K | $11.48M |
| Jun 2025 | $116.82M | $102.69M | $1.37M | $13.66M |
| Jun 2026 | $126.52M | $109.91M | $960.00K | $15.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $109.91M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $109.91M.
Similar-sized banks
Commercial State Bank ($126.58M) · Community First Bank ($126.50M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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