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Overview / Commentary
301 North Commerce Drive
Bayfield, CO 81122

Pine River Valley Bank is headquartered in Bayfield and is the 56th largest bank in the state of Colorado. It is also the 3,928th largest bank in the nation. It was established in 1977 and as of March of 2014, it had grown to 47 employees at 4 locations. Pine River Valley Bank has a C+ health rating.

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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 Pine River Valley Bank had $5.92 million in non-current loans and owned real-estate with $15.59 million in equity and loan loss allowances on hand to cover it. This gives Pine River Valley Bank a Texas Ratio of 38.00% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pine River Valley Bank decreased slightly from 49.34% as of March 31, 2013 to 38.00% as of March 31, 2014, resulting in a positive change of 22.99%.This indicates that the balance sheet and financial strength for Pine River Valley Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Pine River Valley Bank has decreased its total deposits by -$7.58 million, resulting in -5.81% 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 Pine River 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. Pine River Valley Bank has $138.2 million in assets with $15.59 million in equity, resulting in a capitalization level of 11.28%, which is excellent.

Institution Statistics

FDIC Certificate #22497
Year Established1977
Primary RegulatorFDIC
Assets and Liabilities
Assets$138.20 million
Loans$65.00 million
Deposits$122.94 million
Equity Capital$13.94 million
Loan Loss Allowance$1.65 million
Unbacked Noncurrent Loans$259,000
Real Estate Owned$5.67 million
Historic Data - March 2013
Assets$144.69 million
Equity Capital$12.74 million
Loan Loss Allowance$1.91 million
Unbacked Noncurrent Loans$259,000
Real Estate Owned$6.15 million
Profit Margin - Quarterly
Net Interest Margin3.98%
Return on Assets-1.02%
Return on Equity-10.02%
Interest Income$1.24 million

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Pine River Valley Bank Locations
Creede Branch117 North Main StreetCreede, CO 81130
Durango Branch1701 Main AveDurango, CO 81301
Lake City Branch231 Silver StreetLake City, CO 81235
Pine River Valley Bank301 North Commerce DriveBayfield, CO 81122