Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
10 First Street South
Cheyenne Wells, CO 80810

The Eastern Colorado Bank is headquartered in Cheyenne Wells and is the 19st largest bank in the state of Colorado. It is also the 2,013st largest bank in the nation. It was established in 1944 and as of June of 2014, it had grown to 65 employees at 6 locations. The Eastern Colorado Bank has a A health rating.

No reviews have been left for this bank yet. Be the first to review.


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 The Eastern Colorado Bank had $2.47 million in non-current loans and owned real-estate with $36.02 million in equity and loan loss allowances on hand to cover it. This gives The Eastern Colorado Bank a Texas Ratio of 6.87% 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 Eastern Colorado Bank experienced no significant changes from 4.04% as of June 30, 2013 to 6.87% as of June 30, 2014, resulting in a negative change of 69.83%. This indicates that the balance sheet and financial strength for The Eastern Colorado Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, The Eastern Colorado Bank has increased its total deposits by $657,000, resulting in 0.25% 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 Eastern Colorado 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 Eastern Colorado Bank has $327.92 million in assets with $36.02 million in equity, resulting in a capitalization level of 10.98%, which is above average.

Institution Statistics

FDIC Certificate #16125
Year Established1944
Primary RegulatorFDIC
Assets and Liabilities
Assets$327.92 million
Loans$208.70 million
Deposits$258.39 million
Equity Capital$33.40 million
Loan Loss Allowance$2.62 million
Unbacked Noncurrent Loans$1.20 million
Real Estate Owned$1.27 million
Historic Data - June 2013
Assets$313.45 million
Equity Capital$29.88 million
Loan Loss Allowance$2.69 million
Unbacked Noncurrent Loans$1.20 million
Real Estate Owned$1.26 million
Profit Margin - Quarterly
Return on Assets1.56%
Return on Equity15.62%
Interest Income$6.40 million

Sorry, we do not have rate data for The Eastern Colorado Bank


The Eastern Colorado Bank Locations
The Eastern Colorado Bank10 First Street SouthCheyenne Wells, CO 80810
Kit Carson Branch113 Main StreetKit Carson, CO 80825
Sharon Springs Branch133 North Main StreetSharon Springs, KS 67758
Burlington Branch2121 Rose AveBurlington, CO 80807
Garden Of The Gods Bank-A Branch Of The Eastern Co444 East Pikes Peak Suite 300Colorado Springs, CO 80903
Limon Branch580 V AvenueLimon, CO 80828