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Overview / Commentary
101 South 6th Street
Dolores, CO 81323

The Dolores State Bank is headquartered in Dolores and is the 54th largest bank in the state of Colorado. It is also the 3,809th largest bank in the nation. It was established in 1959 and as of March of 2014, it had grown to 33 employees at 2 locations. The Dolores State Bank has a A 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 The Dolores State Bank had $1.44 million in non-current loans and owned real-estate with $18.84 million in equity and loan loss allowances on hand to cover it. This gives The Dolores State Bank a Texas Ratio of 7.65% 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 The Dolores State Bank decreased slightly from 10.84% as of March 31, 2013 to 7.65% as of March 31, 2014, resulting in a positive change of 29.37%.This indicates that the balance sheet and financial strength for The Dolores State Bank has improved slightly in recent periods.

Deposit Growth


In the past year, The Dolores State Bank has increased its total deposits by $2.28 million, resulting in 1.87% 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 The Dolores State Bank has shown is above 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. The Dolores State Bank has $144.56 million in assets with $18.84 million in equity, resulting in a capitalization level of 13.03%, which is excellent.

Institution Statistics

FDIC Certificate #17959
Year Established1959
Primary RegulatorFDIC
Assets and Liabilities
Assets$144.56 million
Loans$70.61 million
Deposits$123.72 million
Equity Capital$17.71 million
Loan Loss Allowance$1.13 million
Unbacked Noncurrent Loans$977,000
Real Estate Owned$465,000
Historic Data - March 2013
Assets$141.80 million
Equity Capital$17.62 million
Loan Loss Allowance$1.07 million
Unbacked Noncurrent Loans$977,000
Real Estate Owned$470,000
Profit Margin - Quarterly
Net Interest Margin3.9%
Return on Assets0.79%
Return on Equity6.47%
Interest Income$1.33 million
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The Dolores State Bank Savings Account Rates

0.05%$50-Regular Savings Account
0.05%$50-Junior Savings Account

The Dolores State Bank Checking Account Rates

0.10%$1k-Hi-Fi Account
0.05%$1k-NOW Account

The Dolores State Bank CD Rates

0.85%$100k-5 Year CD
0.55%$100k-4 Year CD
0.45%$100k-3 Year CD
0.35%$100k-30 Month CD
0.30%$100k-2 Year CD
0.25%$100k-18 Month CD
0.20%$100k-1 Year CD
0.15%$100k-6 Month CD

The Dolores State Bank Locations
The Dolores State Bank101 South 6th StreetDolores, CO 81323
Cortez Branch744 East Main StreetCortez, CO 81321