B
The State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The State Bank
La Junta, CO
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Rating B
Asset Quality Index 8.70
Capitalization Index 10.00
Liquidity Index 4.30
Profitability Index 8.90
Stability Index 8.00
Company Info The State Bank
La Junta, CO
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FDIC Number 1778
Phone Number (719) 384-5901
Website www.redibank.com
Asset Quality The State Bank
La Junta, CO
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1-Year Asset Growth 14.73%
5-Year Asset Growth 3.98%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 1.53%
Non-Performing Loans to Loans 0.57%
Balance Sheet The State Bank
La Junta, CO
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Total Assets 148.29M
Total Deposits 123.52M
Capital and Reserves The State Bank
La Junta, CO
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Capital 24.21M
Leverage Ratio 17.75
Loan Loss Reserves to Loans 1.68%
Risk-Based Capital Ratio 31.31
Liquidity The State Bank
La Junta, CO
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Hot Money Ratio 9.27%
Liquidity Ratio 40.16%
Profitability The State Bank
La Junta, CO
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5-Year Return on Average Assets 1.23%
Net Income 1.42M
Net Interest Spread 4.79%
Operating Profit to Average Assets 2.21%
Overhead Efficiency Ratio 55.08%
Return on Assets 1.40%
Return on Equity 8.13%