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Overview / Commentary
7360 West Us Highway 50
Salida, CO 81201

High Country Bank is headquartered in Salida and is the 41st largest bank in the state of Colorado. It is also the 3,078th largest bank in the nation. It was established in 1886 and as of March of 2014, it had grown to 65 employees at 4 locations. High Country Bank has a A health rating.

Reviews (1)

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 $.   


Data for Q1 2014

Institution Health


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 March 31, 2014 High Country Bank had $1.66 million in non-current loans and owned real-estate with $23.66 million in equity and loan loss allowances on hand to cover it. This gives High Country Bank a Texas Ratio of 7.01% 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 High Country Bank decreased slightly from 8.77% as of March 31, 2013 to 7.01% as of March 31, 2014, resulting in a positive change of 20.06%.This indicates that the balance sheet and financial strength for High Country Bank has improved slightly in recent periods.

Deposit Growth


In the past year, High Country Bank has increased its total deposits by $4.52 million, resulting in 2.65% 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 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. High Country Bank has $198.48 million in assets with $23.66 million in equity, resulting in a capitalization level of 11.92%, which is excellent.

Institution Statistics

FDIC Certificate #29783
Year Established1886
Primary RegulatorFED
Assets and Liabilities
Assets$198.48 million
Loans$134.46 million
Deposits$175.05 million
Equity Capital$22.35 million
Loan Loss Allowance$1.31 million
Unbacked Noncurrent Loans$1.02 million
Real Estate Owned$634,000
Historic Data - March 2013
Assets$193.84 million
Equity Capital$22.16 million
Loan Loss Allowance$1.44 million
Unbacked Noncurrent Loans$1.02 million
Real Estate Owned$699,000
Profit Margin - Quarterly
Net Interest Margin4.79%
Return on Assets0.93%
Return on Equity8.32%
Interest Income$2.33 million

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High Country Bank Locations
Second Street Branch130 West Second StreetSalida, CO 81201
Canon City Branch150 North RaynoldsCanon City, CO 81212
Buena Vista Branch516 Hwy 24 NorthBuena Vista, CO 81211
High Country Bank7360 West US Highway 50Salida, CO 81201