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Overview / Commentary
719-589-6653
401 Edison Avenue
Alamosa, CO 81101

San Luis Valley Federal Bank is headquartered in Alamosa and is the 31st largest bank in the state of Colorado. It is also the 2,550th largest bank in the nation. It was established in 1899 and as of March of 2014, it had grown to 65 employees at 3 locations. San Luis Valley Federal Bank has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

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 San Luis Valley Federal Bank had $4.7 million in non-current loans and owned real-estate with $38.75 million in equity and loan loss allowances on hand to cover it. This gives San Luis Valley Federal Bank a Texas Ratio of 12.14% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for San Luis Valley Federal Bank experienced no significant changes from 10.56% as of March 31, 2013 to 12.14% as of March 31, 2014, resulting in a negative change of 14.98%. This indicates that the balance sheet and financial strength for San Luis Valley Federal Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
C

In the past year, San Luis Valley Federal Bank has decreased its total deposits by -$3.11 million, resulting in -1.45% 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 San Luis Valley Federal Bank has shown is average.

Capitalization

GRADE:
A+

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. San Luis Valley Federal Bank has $251.44 million in assets with $38.75 million in equity, resulting in a capitalization level of 15.41%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #28208
Year Established1899
Employees65
Primary RegulatorOCC
Assets and Liabilities
Assets$251.44 million
Loans$156.45 million
Deposits$211.88 million
Equity Capital$36.88 million
Loan Loss Allowance$1.87 million
Unbacked Noncurrent Loans$4.25 million
Real Estate Owned$452,000
Historic Data - March 2013
Assets$253.93 million
Equity Capital$35.64 million
Loan Loss Allowance$2.08 million
Unbacked Noncurrent Loans$4.25 million
Real Estate Owned$681,000
Profit Margin - Quarterly
Net Interest Margin3.56%
Return on Assets0.66%
Return on Equity4.5%
Interest Income$2.25 million
Rates

Always verify rates and promotions with the bank or credit union. We are not San Luis Valley Federal Bank, we are a rate comparison website and can not provide official rates or promotions.

San Luis Valley Federal Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100-Valley Plus Savings Account
0.10%$100-Valley Freedom Account
0.10%--Chipmunk Club Account
0.10%--Christmas Club Account
0.10%--Health Savings Account

San Luis Valley Federal Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$50k-Insured Money Market Account

San Luis Valley Federal Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$2,500-Wall Street Checking Account
0.05%$50-Low Minimum Interest Checking Account
0.05%$50-VIP Free Interest Checking Account
0.05%$50-Unlimited Interest Checking
0.05%$50-Economy Interest Checking
0.05%$50-50+ Free Interest Checking

San Luis Valley Federal Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.90%$25k-5 to 7 Year CD
0.65%$25k-3 Year to 4 Year CD
0.60%$25k-2 and a half Year to 3 Year CD
0.45%$25k-2 Year to 2 and a half Year CD
0.35%$25k-1 and a half Year to 2 Year CD
0.30%$25k-1 Year to 1 and a half Year CD
0.25%$25k-6 Month to 1 Year CD
0.20%$25k-91 Day to 6 Month CD
Locations


San Luis Valley Federal Bank Locations
2nd & Madison Streets Branch1106 2nd AvenueMonte Vista, CO 81144
Alamosa Branch3415 Mariposa StAlamosa, CO 81101
San Luis Valley Federal Bank401 Edison AvenueAlamosa, CO 81101