Pueblo Bank&Trust Co Safety Rating
Pueblo Bank&Trust Co's safety rating is grade A, a Bank Health Score of 89/100 built from FDIC call report data. That ranks #765 out of 3,960 FDIC-insured banks nationally (top 19%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Pueblo Bank&Trust Co's best component is Tier 1 capital (100/100) and its weakest is loan quality (72/100).
This page answers a common banking-safety question: Pueblo Bank&Trust Co Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Pueblo Bank&Trust Co Safety Rating Breakdown
- Overall rating
- Grade A (89/100)
- National rank
- #765 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 72/100
- Liquidity (25%)
- 90/100
- Profitability (10%)
- 100/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Pueblo Bank&Trust Co among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 19% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.36% | 100/100 |
| Nonperforming Loan Ratio | 1.38% | 72/100 |
| Liquidity Ratio | 27.51% | 90/100 |
| Return on Assets | 2.29% | 100/100 |
| Total Assets | $0.6B | |
How does Pueblo Bank&Trust Co compare?
With a Bank Health Score of 89/100, Pueblo Bank&Trust Co sits 19.0 points above the national average of 70/100 for FDIC-insured banks. Within Colorado, where 62 FDIC-insured banks are headquartered, Pueblo Bank&Trust Co ranks above the state average of 71/100 (Grade B).
The bank's Tier 1 capital ratio of 15.36% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.38% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Pueblo Bank&Trust Co's Bank Health Score improved by 10.0 points to 89/100. Tier 1 capital strengthened by 1.68 percentage points to 15.36%. Quarter-over-quarter, the score rose by 5.0 points.
Frequently Asked Questions
Pueblo Bank&Trust Co's safety rating is grade A, a Bank Health Score of 89/100 built from FDIC call report data. That ranks #765 out of 3,960 FDIC-insured banks nationally (top 19%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Pueblo Bank&Trust Co's best component is Tier 1 capital (100/100) and its weakest is loan quality (72/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Pueblo Bank&Trust Co: Tier 1 capital scores 100/100, loan quality 72/100, liquidity 90/100, and profitability 100/100 — combining to 89/100 (grade A).
Pueblo Bank&Trust Co's Bank Health Score of 89/100 is 18.0 points above the Colorado state average of 71/100. 62 FDIC-insured banks are headquartered in Colorado.
Yes. Pueblo Bank&Trust Co (FDIC certificate #12594) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Pueblo Bank&Trust Co
Pueblo Bank&Trust Co's safety rating is grade A, a Bank Health Score of 89/100 built from FDIC call report data. That ranks #765 out of 3,960 FDIC-insured banks nationally (top 19%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Pueblo Bank&Trust Co's best component is Tier 1 capital (100/100) and its weakest is loan quality (72/100).