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Overview / Commentary
2000 East 20th Street
Farmington, NM 87401

Vectra Bank Colorado is headquartered in Farmington and is the largest bank in the state of New Mexico. It is also the 284th largest bank in the nation. It was established in 1905 and as of December of 2013, it had grown to 522 employees at 39 locations. Vectra Bank Colorado has a A health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Vectra Bank Colorado had $33.5 million in non-current loans and owned real-estate with $357.64 million in equity and loan loss allowances on hand to cover it. This gives Vectra Bank Colorado a Texas Ratio of 9.37% 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 Vectra Bank Colorado decreased slightly from 11.98% as of December 31, 2012 to 9.37% as of December 31, 2013, resulting in a positive change of 21.78%.This indicates that the balance sheet and financial strength for Vectra Bank Colorado has improved slightly in recent periods.

Deposit Growth


In the past year, Vectra Bank Colorado has increased its total deposits by $14.19 million, resulting in 0.66% 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 Vectra Bank Colorado 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. Vectra Bank Colorado has $2.57 billion in assets with $357.64 million in equity, resulting in a capitalization level of 13.91%, which is excellent.

Institution Statistics

FDIC Certificate #2993
Year Established1905
Primary RegulatorOCC
Assets and Liabilities
Assets$2.57 billion
Loans$2.25 billion
Deposits$2.18 billion
Equity Capital$316.02 million
Loan Loss Allowance$41.62 million
Unbacked Noncurrent Loans$26.63 million
Real Estate Owned$6.87 million
Historic Data - December 2012
Assets$2.51 billion
Equity Capital$294.08 million
Loan Loss Allowance$49.03 million
Unbacked Noncurrent Loans$26.63 million
Real Estate Owned$12.35 million
Profit Margin - Quarterly
Net Interest Margin4.28%
Return on Assets0.83%
Return on Equity6.94%
Interest Income$107.08 million
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Vectra Bank Colorado Savings Account Rates

0.55%$100-Market Rate IRA
0.10%$100k-Ultimate CD
0.05%$100k-Savings Account
0.05%$100k-Youth Savings

Vectra Bank Colorado Money Market Rates

0.10%$100k-Money Market Account

Vectra Bank Colorado CD Rates

0.10%$100k-12 Month Jumbo CD
0.05%$1k-3 Month CD
0.05%$1k-6 Month CD
0.05%$1k-12 Month CD
0.05%$100k-3 Month Jumbo CD
0.05%$100k-6 Month Jumbo CD

Vectra Bank Colorado IRA Rates

0.10%$100k-12 Month Jumbo IRA
0.05%$1k-3 Month IRA
0.05%$1k-6 Month IRA
0.05%$1k-12 Month IRA
0.05%$100k-3 Month Jumbo IRA
0.05%$100k-6 Month Jumbo IRA

Vectra Bank Colorado has 39 locations. Click to view all Vectra Bank Colorado locations.