Dolores State Bank
Dolores, Colorado · FDIC Cert #17959
Dolores State Bank is an FDIC-insured bank (Certificate #17959) with $407M in total assets and $340M in total deposits as of the Q2 2024 Call Report. Headquartered in Dolores, Colorado, the bank maintains a Tier 1 capital ratio of 20.00% (Well-Capitalized) and a nonperforming loan ratio of 0.59%. BankHealthData assigns a composite Health Grade of A (87/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Dolores State Bank (FDIC cert 17959) is a community bank — $407M in total assets, $340M in deposits, serving the Dolores, Colorado area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 20.00% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.59% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 20.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.01% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Dolores State Bank carries a composite BankHealth grade of A (87/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Dolores State Bank
- Total Assets
- $407M
- Total Deposits
- $340M
- Tier 1 Capital Ratio
- 20.00%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.59%
- Liquidity Ratio
- 20.65%
- Return on Assets
- 2.01%
- Headquarters
- Dolores, Colorado
- FDIC Certificate
- #17959
- Health Grade
- A (87/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Dolores State Bank holds a Tier 1 capital ratio of 20.00%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Dolores State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Dolores State Bank shows strong financial health indicators. With $407M in assets and a Health Score of 87/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Dolores State Bank Compares
Dolores State Bank’s Health Score of 87 is 16 points above the Colorado state average of 71 across 62 FDIC-insured banks. Its 20.00% Tier 1 capital ratio is 6.0 points above the US banking industry average near 14%. The 0.59% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.01% is in line with or above the national ROA benchmark of ~1.1%. Among 1532 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Dolores State Bank is 17 points above the portfolio average of 70.
Frequently Asked Questions
Dolores State Bank has a Bank Health Score of A (87/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 20.00%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Dolores State Bank's Tier 1 capital ratio of 20.00% and nonperforming loan ratio of 0.59% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Dolores State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17959). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Dolores State Bank holds $407M in total assets and $340M in total deposits. It is headquartered in Dolores, Colorado (FDIC Certificate #17959).
Dolores State Bank has a Tier 1 capital ratio of 20.00%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.59%, and the return on assets is 2.01%.
Yes. Dolores State Bank is FDIC-insured (Certificate #17959). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Dolores State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.