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Overview / Commentary
705 Grand Avenue
Del Norte, CO 81132

Del Norte Bank is headquartered in Del Norte and is the 92nd largest bank in the state of Colorado. It is also the 5,840th largest bank in the nation. It was established in 1921 and as of June of 2014, it had grown to 13 employees at 1 location. Del Norte Bank has a B+ health rating.

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Data for Q2 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Del Norte Bank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Del Norte Bank had $344,000 in non-current loans and owned real-estate with $5.21 million in equity and loan loss allowances on hand to cover it. This gives Del Norte Bank a Texas Ratio of 6.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Del Norte Bank decreased dramatically from 13.91% as of June 30, 2013 to 6.60% as of June 30, 2014, resulting in a positive change of 52.53%.This indicates that the balance sheet and financial strength for Del Norte Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Del Norte Bank has increased its total deposits by $162,000, resulting in 0.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Del Norte Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Del Norte Bank has $52.58 million in assets with $5.21 million in equity, resulting in a capitalization level of 9.91%, which is above average.

Institution Statistics

FDIC Certificate #29066
Year Established1921
Primary RegulatorFDIC
Assets and Liabilities
Assets$52.58 million
Loans$41.47 million
Deposits$45.56 million
Equity Capital$4.76 million
Loan Loss Allowance$455,000
Unbacked Noncurrent Loans$220,000
Real Estate Owned$124,000
Historic Data - June 2013
Assets$52.13 million
Equity Capital$4.34 million
Loan Loss Allowance$344,000
Unbacked Noncurrent Loans$220,000
Real Estate Owned$219,000
Profit Margin - Quarterly
Return on Assets0.62%
Return on Equity7.08%
Interest Income$1.26 million

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Del Norte Bank Savings Account Rates

0.55%$200$10kRainy Day Savings
0.40%$400k-Investor Savings
0.36%$50-IRA Savings
0.36%$50-Roth IRA Savings
0.15%$25-Statement Savings
0.15%$25-Freedom Savings

Del Norte Bank Money Market Rates

0.25%$25k-Money Market Checking

Del Norte Bank Checking Account Rates

0.10%$25-NOW Checking
0.10%$300-Easy Senior Checking

Del Norte Bank CD Rates

0.90%$10k-60 Month CD
0.70%$500-48 Month CD
0.65%$500$10k36 Month CD
0.55%$500$10k30 Month CD
0.50%$10k-24 Month CD
0.40%$10k-18 Month CD
0.35%$10k-12 Month CD
0.25%$10k-6 Month CD
0.25%$10k-9 Month CD
0.15%$500-3 Month CD

Del Norte Bank Locations
Del Norte Bank705 Grand AvenueDel Norte, CO 81132