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Overview / Commentary
101 East First Street
Mcclave, CO 81057

McClave State Bank is headquartered in Mcclave and is the 95th largest bank in the state of Colorado. It is also the 6,623rd largest bank in the nation. It was established in 1920 and as of December of 2013, it had grown to 7 employees at 1 location. McClave State Bank has a B health rating.

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Data for Q4 2013

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. McClave State Bank has a low asset base.

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 December 31, 2013 McClave State Bank had $196,000 in non-current loans and owned real-estate with $3.22 million in equity and loan loss allowances on hand to cover it. This gives McClave State Bank a Texas Ratio of 6.08% 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 McClave State Bank decreased slightly from 8.17% as of December 31, 2012 to 6.08% as of December 31, 2013, resulting in a positive change of 25.53%.This indicates that the balance sheet and financial strength for McClave State Bank has improved slightly in recent periods.

Deposit Growth


In the past year, McClave State Bank has decreased its total deposits by $-63,000, resulting in -0.3% 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 McClave State Bank has shown is 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. McClave State Bank has $24.18 million in assets with $3.22 million in equity, resulting in a capitalization level of 13.33%, which is excellent.

Institution Statistics

FDIC Certificate #11261
Year Established1920
Primary RegulatorFDIC
Assets and Liabilities
Assets$24.18 million
Loans$17.39 million
Deposits$21.24 million
Equity Capital$2.90 million
Loan Loss Allowance$323,000
Unbacked Noncurrent Loans$196,000
Real Estate Owned$0
Historic Data - December 2012
Assets$24.11 million
Equity Capital$2.73 million
Loan Loss Allowance$352,000
Unbacked Noncurrent Loans$196,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.63%
Return on Assets1.11%
Return on Equity9.63%
Interest Income$1.24 million

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McClave State Bank Locations
Mcclave State Bank101 East First StreetMcclave, CO 81057