Alamosa State Bank vs Colorado B&T Co of la Junta
Side-by-side bank health comparison using FDIC financial data
Alamosa State Bank (A) and Colorado B&T Co of la Junta (A) are close on the BankHealth rubric. Asset bases: $332M versus $210M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Alamosa State Bank has a stronger Bank Health Score of 100/100 (A) compared to Colorado B&T Co of la Junta at 95/100 (A), a difference of 5 points. Alamosa State Bank holds a Tier 1 capital ratio of 19.9% and an NPL ratio of 0.00%.
| Metric | Alamosa State Bank | Colorado B&T Co of la Junta |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 95/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 19.9%* | 15.0% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.2% |
| Liquidity Ratio Cash and liquid assets vs obligations | 47.3%* | 26.3% |
| Return on Assets Profitability metric (above 1% is strong) | 2.2% | 2.7%* |
| Total Assets | $332M | $210M |
| Total Deposits | $299M | $165M |
| Location | Alamosa, Colorado | La Junta, Colorado |
Alamosa State Bank has a stronger Bank Health Score of 100/100 (A) compared to Colorado B&T Co of la Junta at 95/100 (A), a difference of 5 points. Alamosa State Bank holds a Tier 1 capital ratio of 19.9% and an NPL ratio of 0.00%.