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Overview / Commentary
138 North Main Street
Mancos, CO 81328

Mancos Valley Bank is headquartered in Mancos and is the 84th largest bank in the state of Colorado. It is also the 5,367th largest bank in the nation. It was established in 1964 and as of March of 2014, it had grown to 12 employees at 2 locations. Mancos Valley Bank has a C+ health rating.

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Data for Q1 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. Mancos Valley 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 March 31, 2014 Mancos Valley Bank had $1.79 million in non-current loans and owned real-estate with $8.82 million in equity and loan loss allowances on hand to cover it. This gives Mancos Valley Bank a Texas Ratio of 20.32% 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 Mancos Valley Bank experienced no significant changes from 17.46% as of March 31, 2013 to 20.32% as of March 31, 2014, resulting in a negative change of 16.38%. This indicates that the balance sheet and financial strength for Mancos Valley Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Mancos Valley Bank has decreased its total deposits by -$5.88 million, resulting in -8.26% 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 Mancos Valley Bank has shown is below 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. Mancos Valley Bank has $72.91 million in assets with $8.82 million in equity, resulting in a capitalization level of 12.10%, which is excellent.

Institution Statistics

FDIC Certificate #19205
Year Established1964
Primary RegulatorFDIC
Assets and Liabilities
Assets$72.91 million
Loans$30.13 million
Deposits$65.29 million
Equity Capital$7.44 million
Loan Loss Allowance$1.38 million
Unbacked Noncurrent Loans$1.53 million
Real Estate Owned$267,000
Historic Data - March 2013
Assets$79.36 million
Equity Capital$7.99 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$1.53 million
Real Estate Owned$183,000
Profit Margin - Quarterly
Net Interest Margin2.92%
Return on Assets0.65%
Return on Equity6.11%
Interest Income$547,000

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Mancos Valley Bank Locations
Mancos Valley Bank138 North Main StreetMancos, CO 81328
Mancos Valley Bank - Cortez Location Branch27780 Hwy 160Cortez, CO 81321