# HIGH COUNTRY BANK
SALIDA, CO · FDIC certificate 29783 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $528.5M | |
| Deposits | $450.5M | |
| Loans and leases | $445.8M | |
| Total equity | $49.1M | |
| Loans / deposits | 97.79% (p86 of band) | 82.04% |
| Liquid assets / assets | 12.94% (p11 of band) | |
| Uninsured deposits / deposits | 20.70% (p31 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.73% (p57 of band) | |
| FHLB advances / assets | 4.73% | |
| Tier 1 leverage | 9.62% (p26 of band) | 10.81% |
| Unrealized securities loss / equity | -4.24% (p67 of band) | -8.10% |
| AOCI / equity | -0.96% (p23 of band) | |
| ROA (annualized) | 1.08% (p37 of band) | 1.28% |
| Net interest margin | 4.72% (p88 of band) | 3.91% |
| Efficiency ratio | 71.35% (p76 of band) | |
| Noncurrent loans | 1.34% (p81 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 88.34% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 122.35% (p93 of band) | |
| Auto loans | $639,000 (0.14% of loans; DQ 0.16%, NCO 0.00%) | |
| Loans to nondepository financials | $3.4M (7% of equity) (p95 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 94 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | capital falling |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 2 | capital falling, reserve under noncurrent | charge-offs p90 |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 1 | reserve under noncurrent | capital falling |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 | construction >100% equity | capital falling |
| 2017-03 | 2 | uninsured deposits leaving |  |
| 2017-06 | 1 |  | uninsured deposits leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 | reserve under noncurrent | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 1 |  | reserve under noncurrent, capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 3 | capital falling | uninsured deposits leaving |
| 2023-12 | 2 |  | deposits shrinking |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 3 | loans exceed deposits | charge-offs p90 |
| 2024-09 | 3 | charge-offs p90 | loans exceed deposits |
| 2024-12 | 2 |  | charge-offs p90 |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 2 | loans exceed deposits |  |
| 2025-09 | 4 | capital falling, reserve under noncurrent |  |
| 2025-12 | 3 |  | capital falling |
| 2026-03 | 3 |  |  |
| 2026-06 | 2 |  | loans exceed deposits |

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

- 2026-03-10 [A Community Investment: High Country Bank celebrating its 140th anniversary - Canon City Daily Record](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQeXlFX041Z1hXbG5MU1hhbzRoVjh1Tzg2RERDWk8yY3VPY3JHV0p3aUQ2VzZ2d19XbUt6YUxDMjVudG9ZTHI1QlByc0VjLU9GY1c3U2g3SllxOWwySGttWXd6MWlyN0VmOWQ3Qkc2N05wQ19DQVNkWlRPOW9tTWpjY0duX1FVdURuZnhtZktiUm1UcHpXUm1ZeEhabHRjd2tHeDBvQ2pKWmJjQnRaRVdOVHFFZGxkcU5obDR0SXNGRTY?oc=5) · Canon City Daily Record
- 2026-02-23 [Due to argument, van collides with High Country Bank Feb. 22 - The Mountain Mail](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQa3VTZkI5alN6bERuY2x4dVBYUXd3b3RpRnNITnI2VkIxdWh0OFAyWHdoUU1pRDE0aHRGNXpGZlhhcWFrTXo5cm15dmtrR3FVQ08zQTZ2azJLamtDN1NHQ3U3WGJvUHBySlVINDItZlllbU5keTkzVkVUekpEZmRlYzh4VmlLc0dkRGVZX1RmckZxbFItRlFFRjBwdXNya1B2UEZiNEZJSlZRS0V3WGlPT2FvUVFLcHRIN2NacHFxc3RvOXdWRW5iZ2h3QXBVaWNMWkxOc3RtcmVZVjE3VGc?oc=5) · The Mountain Mail
- 2026-07-16 [Royal Gorge Farmers Market back for second season at Gateway Depot Park - Canon City Daily Record](https://news.google.com/rss/articles/CBMivAFBVV95cUxPek5fWmNfVTFxZl9Ecm5qM05EZUM2LVpJOXlkVDE1Qks5aUN3MXpjNllmZmJnQ0kzTTIwTmJObXJJQ29LTW5xT1lXSVV3UnZyZHJTYnYyQkxZbnVTOWctQkF1SGE3RzF2WjgwbWVUWWJVNGRKdzRKZmFEVHUtTGV5NEVsNk5OZFhySWF0dVc1UThYbTkxLU00ZFFpaUtEVEpUMHExN1VheG9SaEdTMmhXRkhsckxqYm1DQ2pTVA?oc=5) · Canon City Daily Record
- 2024-11-01 [High Country Bank System Upgrade Sends Customers into Financial Turmoil - Ark Valley Voice](https://news.google.com/rss/articles/CBMioAFBVV95cUxPekVtbEtqY0RmU2QwWlhvN3JoMEJiRlRnaW5MR1hlMmF3a1l5ZWtQSGNub2RKc1JHXzBOeW9saU01V3VrakhEZFhoaURYdzR3cFJqVExjNTJCWjg4WWhwd2RRcjFHV2pDUkF4Wk9ZV3JHWmM2aU5aVTF4R0NESTVHdDRnSFotQ2VVeF9UaGNNZHA2bXZEQ2ppVDJvWWd5VnZl?oc=5) · Ark Valley Voice
- 2022-09-16 [Stotler named High Country Bank CEO - The Chaffee County Times](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQWUQzUmFGNUIzSjlOSVd0LXdOY2U1UmZLQzgxaWQxVjJIOFlQVmx4akhOMW5BaVMxaE5vS1JWMUdPTlpBMnhfb0RlLW9SclBWOEgwR2ZIZEduU2RpQm9yMFpldnAxdHd2N2RxMGkzaHU2VmNEellXQi11X0RjQXIyVDRrbFNTVEFpMEgzN2E2SjhmUkNZdjhiWFEwdjJTbEJKZEF3MUNZNnExTUEtZjNKNW9sbmxtME9Hb29aTEpNSE9nN28?oc=5) · The Chaffee County Times
- 2017-03-17 [F.N.B. Corporation Completes Merger With Yadkin Bank, Which Bought High Country Bank Years Ago - High Country Press](https://news.google.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?oc=5) · High Country Press
- 2023-01-23 [High Country Bank Appoints Sylvia Veltri as New COO - Ark Valley Voice](https://news.google.com/rss/articles/CBMihgFBVV95cUxPdU92dEVFTDVFTmhwWFZXejlScTN4R0x2OU1rM0VFZVh6OWFZaGtmSFZtZjJMc0g2cVZ2M254bHlDTm5Cb0FNWDFac3Ywb3IzLVJrbjNIclgyMURMamtmcDNmeUQ3ejlvLThiMVREZlFEOU90OHkyS1FSeUM4bEVXSkV3UjY0UQ?oc=5) · Ark Valley Voice
- 2024-11-05 [High Country Bank views donations as 'an expense of the company' - The Mountain Mail](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPbFZhdkdFZDc4Q19kNk1hZ2duSDBYeDhUaFBGZmQydlRsLWR4ZU8yRlZVbGtXTzVGbzJCOUVjbTM3TDY4ZjB0eVFkU2ZZS0pqOFVLbkhCai14RFhxMnh1bFAweFRqY05MZHhVYVk1bURlSWVuRUZQem5Bd2dTX2tWUnlLZ3FMSUFydVUtMHFHbmRDOERTTHdmMEF5QzhYWWhfRVBvamNyUjFXeGpDNVhiTGJCZFFqMWstSUFNQW9qQVBVSWM0ZUlsWkNCYldEemJnOVg5SXdYTnVXMFpXNXQyckNmdw?oc=5) · The Mountain Mail

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29783 (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/23.json (key "29783", 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