B
The State Bank
Rating Date
June 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 8.30
Capitalization Index 10.00
Liquidity Index 3.50
Profitability Index 7.90
Stability Index 7.00
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 -2.00%
5-Year Asset Growth 3.98%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.53%
Non-Performing Loans to Capital 2.65%
Non-Performing Loans to Loans 0.95%
Balance Sheet The State Bank
La Junta, CO
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Total Assets 129.82M
Total Deposits 106.34M
Capital and Reserves The State Bank
La Junta, CO
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Capital 23.04M
Leverage Ratio 19.58
Loan Loss Reserves to Loans 1.66%
Risk-Based Capital Ratio 30.43
Liquidity The State Bank
La Junta, CO
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Hot Money Ratio 7.90%
Liquidity Ratio 28.21%
Profitability The State Bank
La Junta, CO
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5-Year Return on Average Assets 1.23%
Net Income 409.00K
Net Interest Spread 4.66%
Operating Profit to Average Assets 1.93%
Overhead Efficiency Ratio 59.23%
Return on Assets 1.30%
Return on Equity 7.20%