Institution Statistics
| High Country Bank | | FDIC Certificate # | 29783 | | BankRate Report | View | | Year Established | 1886 | | Employees | 63 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $184.96 million | | Loans | $128.12 million | | Deposits | $162.04 million | | Equity Capital | $21.79 million | | Loan Loss Allowance | $1.51 million | | Unbacked Noncurrent Loans | $1.30 million | | Real Estate Owned | $2.08 million |
Historic Data - March 2011 | | Assets | $176.25 million | | Equity Capital | $21.44 million | | Loan Loss Allowance | $1.47 million | | Unbacked Noncurrent Loans | $2.85 million | | Real Estate Owned | $3.35 million |
Profit Margin - Quarterly | | Net Interest Margin | 5.25% | | Return on Assets | 1% | | Return on Equity | 8.53% | | Interest Income | $2.42 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 High Country Bank had $3.38 million in non-current loans and owned real-estate with $23.3 million in equity and loan loss allowances on hand to cover it. This gives High Country Bank a Texas Ratio of 14.49% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for High Country Bank decreased significantly from 27.06% as of March 31, 2011 to 14.49% as of March 31, 2012, resulting in a positive change of 46.44%.This indicates that the balance sheet and financial strength for High Country Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, High Country Bank has increased its total deposits by $10.75 million, resulting in 7.1% 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 High Country Bank has shown is excellent. | | Capitalization | | | 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. High Country Bank has $184.96 million in assets with $23.3 million in equity, resulting in a capitalization level of 12.59%, which is excellent. |
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Average User Rating:
Failing? Common Sense? Greed? WHAT"S UP?
Just an opinion that High Country Bank is hurting in some way - maybe their Texas ratio rating has driven them to be extremly conservative, therefore hurting the economic stability of the small communities they serve, sticking to strick black and white guidelines (not regulations) without using any common sense. Common sense would help the communities they serve to be economically healthier - increasing their stability also. Maybe they are getting to big for their vaults- After several weeks of research - I am not the only one that is looking for a bank which is community minded HCB seems that beiing the 43rd largest bank is a good thing, but small local banks that work their Millions to work with the people of the communities they serve, using integrity, honesty, and common sense, well that's where I and others will put our money. a vision for banks: A commuity minded entity that is concerned with a smooth transition for their customers, and employees to a time when no $ is needed. there is no federal reserve, no crime no greed and in the end no banks! Everyone has everything they desire - WE all can dream and create a happier no stress life without our value being based on the $.