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Overview / Commentary
200 North Townsend Avenue
Montrose, CO 81401

MontroseBank is headquartered in Montrose and is the 35th largest bank in the state of Colorado. It is also the 2,709th largest bank in the nation. It was established in 1971 and as of June of 2014, it had grown to 54 employees at 6 locations. MontroseBank has a A health rating.

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Data for Q2 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 June 30, 2014 MontroseBank had $2.21 million in non-current loans and owned real-estate with $25.96 million in equity and loan loss allowances on hand to cover it. This gives MontroseBank a Texas Ratio of 8.52% 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 MontroseBank decreased dramatically from 20.39% as of June 30, 2013 to 8.52% as of June 30, 2014, resulting in a positive change of 58.24%.This indicates that the balance sheet and financial strength for MontroseBank has improved dramatically in recent periods.

Deposit Growth


In the past year, MontroseBank has increased its total deposits by $10.44 million, resulting in 5.28% 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 MontroseBank has shown is excellent.



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. MontroseBank has $233.27 million in assets with $25.96 million in equity, resulting in a capitalization level of 11.13%, which is excellent.

Institution Statistics

FDIC Certificate #90528
Year Established1971
Primary RegulatorFED
Assets and Liabilities
Assets$233.27 million
Loans$83.42 million
Deposits$208.37 million
Equity Capital$24.46 million
Loan Loss Allowance$1.51 million
Unbacked Noncurrent Loans$710,000
Real Estate Owned$1.50 million
Historic Data - June 2013
Assets$221.98 million
Equity Capital$23.59 million
Loan Loss Allowance$1.91 million
Unbacked Noncurrent Loans$710,000
Real Estate Owned$2.30 million
Profit Margin - Quarterly
Return on Assets1.38%
Return on Equity13.31%
Interest Income$4.14 million

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MontroseBank Locations
N. Grand Avenue Branch1443 Mesa View DriveDelta, CO 81416
Montrosebank-South Branch16550 S. TownsendMontrose, CO 81401
Montrosebank200 North Townsend AvenueMontrose, CO 81401
218 Grand Avenue Branch218 Grand AvenuePaonia, CO 81428
360 W. Bridge Street Branch394 East Bridge StreetHotchkiss, CO 81419
Surfacecreekbank Branch945 S. Grand Mesa DriveCedaredge, CO 81413