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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 282nd largest bank in the nation. It was established in 1905 and as of March of 2014, it had grown to 520 employees at 39 locations. Vectra Bank Colorado 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 Vectra Bank Colorado had $33.78 million in non-current loans and owned real-estate with $362.45 million in equity and loan loss allowances on hand to cover it. This gives Vectra Bank Colorado a Texas Ratio of 9.32% 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 experienced no significant changes from 9.59% as of March 31, 2013 to 9.32% as of March 31, 2014, resulting in a positive change of 2.79%.This indicates that the balance sheet and financial strength for Vectra Bank Colorado has had no significant changes in recent periods.

Deposit Growth


In the past year, Vectra Bank Colorado has increased its total deposits by $96.72 million, resulting in 4.61% 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 excellent.



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 $2.61 billion in assets with $362.45 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$2.61 billion
Loans$2.28 billion
Deposits$2.20 billion
Equity Capital$322.36 million
Loan Loss Allowance$40.09 million
Unbacked Noncurrent Loans$27.82 million
Real Estate Owned$5.96 million
Historic Data - March 2013
Assets$2.46 billion
Equity Capital$304.85 million
Loan Loss Allowance$39.94 million
Unbacked Noncurrent Loans$27.82 million
Real Estate Owned$10.79 million
Profit Margin - Quarterly
Net Interest Margin4.17%
Return on Assets0.59%
Return on Equity4.8%
Interest Income$26.26 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.