# DOLORES STATE BANK
DOLORES, CO · FDIC certificate 17959 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $456.3M | |
| Deposits | $357.3M | |
| Loans and leases | $333.9M | |
| Total equity | $68.3M | |
| Loans / deposits | 92.32% (p76 of band) | 82.04% |
| Liquid assets / assets | 22.81% (p43 of band) | |
| Uninsured deposits / deposits | 17.38% (p20 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.48% (p60 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.64% (p92 of band) | 10.81% |
| Unrealized securities loss / equity | -7.78% (p51 of band) | -8.10% |
| AOCI / equity | -0.03% (p72 of band) | |
| ROA (annualized) | 1.86% (p82 of band) | 1.28% |
| Net interest margin | 4.65% (p86 of band) | 3.91% |
| Efficiency ratio | 44.50% (p9 of band) | |
| Noncurrent loans | 1.02% (p73 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 119.01% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 71.39% (p72 of band) | |
| Auto loans | $9.0M (2.69% of loans; DQ 4.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 47 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | capital falling, reserve under noncurrent |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 4 | securities losses >30% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 0 |  | securities losses >30% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | uninsured deposits leaving |  |
| 2026-06 | 0 |  | reserve under noncurrent, uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-10-31 [President of Dolores State Bank retires after 42 years - Front - The Journal](https://news.google.com/rss/articles/CBMilwFBVV95cUxPY0Flc2N2YndqOXR3Rk0tN0hGM20zcGdPbzlySDRWMV9DeU1MTHk5TGVRanJBQV8zYk9zYmFNaUVFdnpOUlhhMWprVHVDYmpKUnYxQjRuWk9rbGFBa2tLTEVXbTdBcnFzeVNIeHhRZVdpQjE5MC00WF92cHhwUGtJU2FBTENmTE1vQWRMX0xvUGZFRi1MalRn?oc=5) · Front - The Journal
- 2021-01-08 [Janice Bankert Obituary Jan 8, 2021 - Ertel Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE4ycnNXZGpZOG9XeTM4Uk9keDFJMmNjbnV3YVd0bXhLSEY0aTJwN0RIU2pCZXlGMVJJSkFKdldaUWhTTXdobEhJMmVpQkFqVUQzRC1WOExCUW9yYkt6elBqMzJyQUxlZTBMRUE?oc=5) · Ertel Funeral Home
- 2024-05-24 [Google Wallet adds 25 new US banks to its support list - androidpolice.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFAwTkhxMVhwV09EeXQ3dVp1eE1kR0JRc3RacUU0bHhOQ2tWS2c0THhwa3BqNVN2ZGJKbzFxS1E3N043bkRUTjVBelA1VllDTWlXMGMzRTVRQy1OVmstUGZOSHNobC0zVVk1RDFHUQ?oc=5) · androidpolice.com
- 2012-06-14 [Donald Haley Obituary (2012) - Durango, CO - Durango Herald](https://news.google.com/rss/articles/CBMipgFBVV95cUxQY28xVGF1NmRmTDhhWGpwNk51XzFQOUNNRWhTUm00NHZCbFdNTUJ1OVdVbXpILUEtUHJQQkU1MmpPd3dFVkYwZDM4LS1fdEltOU52REdWSWN5aVFXM3dTRGF6WGF6UHZUeXlOcmYtNmwxWFREcm9OVHBRRXdfZVlJdkNiTkZSRVN3SWF2UjdRbjFib0w3ZnplVWN0SjJIdUZpYUo4R0xB?oc=5) · Durango Herald
- 2010-07-12 [Six indicted in Colorado on bank fraud charges - The Denver Post](https://news.google.com/rss/articles/CBMijgFBVV95cUxQODg2TXp3ODdWOENtQTRGRndlaDRVandmbWlNSXlvVnpMaTNUZmVpSWpleFZPNHduT3RKQzA5UjhwWWk5X29WeGRYcGV5M2RIaHotNUNkYWg5Ulk3aWN2UHNocWtURWVNMU1wTERERy0ydnNucE9CX2NETWM1VEJlb1FvRlFBNmw0RUw5c1lR?oc=5) · The Denver Post
- 2010-10-13 [Marjorie Grace Welch Obituary Oct 13, 2010 - Ertel Funeral Home](https://news.google.com/rss/articles/CBMickFVX3lxTE9RVndVRGFzT1BIeS1hMm9xX0FEQXB0UThTY3dWWmFsa3RFOEFGWU9Hbmpma1dCaVdKdnpSbEdGRV9keDItckhzelFtWHdFaXVPb1ptVWpNX3d3dVBNcXV5RzAyaFQyUkFUMjVFbXZ2Uk1IUQ?oc=5) · Ertel Funeral Home
- 2009-05-30 [Edward G. Merritt Obituary May 30, 2009 - Ertel Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTFBJTjNnTUZWdWlTTEE1UU5CWDdtekFTQW1KdEsyd0RkSW9yV0t6OXU2M3VwZ2drU3ZlUjlNTFp2WkdkakJvY3lsejlLUWJGRGotYVhOY0FoWW1HY2NLZkhVeGNzQmZFcmdUa2l5aA?oc=5) · Ertel Funeral Home
- 2015-08-10 [Naverne Millicent Tripp Obituary Aug 10, 2015 - Ertel Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTFBBa2dQMW1wMUowSWFqb0lzUlFWTFV0N3RvZE81V05lNHlldzB1VWl3d2dSeF9FTjF6OU1DYlB0SHRjQURTRE14SXFYeDZCeTJfeGdMMlFpb2U4NGgzX3ZfRkNPMEhtanhpbTlkYk9kRlZ3QnNweHc?oc=5) · Ertel Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17959 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "17959", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide