High Country Bank


7360 West Us Highway 50
Salida, CO 81201
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 1.40% →
1-Year CD 0.70% 1.15% →
2-Year CD 1.25% 1.26% →
5-Year CD 2.00% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

High Country Bank is an FDIC insured institution located in Salida, CO. It was founded in 1886 and has approximately $0.29 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 29783
Date Established 1886
Assets $ 292.66 million
Loans $ 240.36 million
Deposits $ 252.63 million
Capital $ 28.00 million

For a more detailed analysis of High Country Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.01% $1 $24,999 Learn More
Money Market
0.01% $500 $9,999 Learn More
Money Market
0.02% $10,000 $49,999 Learn More
3 Mo CD
0.15% $500 - Learn More
6 Mo CD
0.25% $500 $99,999 Learn More
6 Mo CD
0.50% $100,000 - Learn More
12 Mo CD
0.40% $500 $99,999 Learn More
12 Mo CD
0.70% $100,000 - Learn More
18 Mo CD
0.50% $500 - Learn More
24 Mo CD
0.65% $500 $99,999 Learn More
24 Mo CD
1.25% $100,000 - Learn More
36 Mo CD
0.75% $500 $99,999 Learn More
36 Mo CD
1.50% $100,000 - Learn More
48 Mo CD
0.91% $500 $99,999 Learn More
48 Mo CD
1.75% $100,000 - Learn More
60 Mo CD
1.11% $500 $99,999 Learn More
60 Mo CD
2.00% $100,000 - Learn More

Fixed IRA
0.40% $500 $99,999 Learn MoreShow Less

Loan Rates - July 4, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for High Country Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to High Country Bank
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High Country Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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High Country Bank Locations

Financial Details

High Country Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of High Country Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
High Country Bank U.S. Bank Average
0% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, High Country Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $28,000,000 in equity and $1,684,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
High Country Bank U.S. Bank Average
18.41% 9.41%

High Country Bank has a Return on Equity of 18.41% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

High Country Bank U.S. Bank Average
9.57% 12.82%

High Country Bank has a Capitalization of 9.57% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

High Country Bank Balance Sheet Analysis

As of December 31, 2019, High Country Bank had assets of $292,656,000, loans of $240,359,000, and deposits of $252,626,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
Cash & Balances due from depository institutions $ 7.61 million
Interest-bearing balances $ 3.61 million
Total securities $ 30.22 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 240.36 million
Loan loss allowance $ 1.68 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 8.32 million
     Total Assets $ 264.66 million
Total deposits $ 252.63 million
      Interest-bearing deposits $ 173.37 million
      Deposits held in domestic offices $ 252.63 million
      % insured (estimated) 89.96%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 7.50 million
Subordinated debt N.A.
All other liabilities $ 4.53 million
      Total Liabilities $ 264.66 million
      Shareholders’ Equity $ 28.00 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 15.03 million
Total Interest Expense $ 0.44 million
Net interest income $ 14.59 million
Provision for loan and lease losses $ 0.25 million
Total non interest income $ 2.35 million
Total non interest expense $ 10.43 million
Pre-tax Net Operating Income $ 6.26 million

Bank Loan Profile?

The top three loan types in High Country Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Colorado, High Country Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 33.97
Credit Card Loans 0.00
Consumer Auto Loans 0.48
Small Business Loans 22.56
Construction and Development Loans 17.25
Commercial Real Estate 35.63
Commercial and Industrial Loans 11.38
Farm Loans 0.03

Frequently Asked Questions About High Country Bank

Branches and Savings

Is High Country Bank FDIC insured?

Yes. It is covered under FDIC Certificate #29783.

Why does High Country Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are High Country Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is High Country Bank a commercial bank?


Where are High Country Bank locations?

See branch locations nearby.

Is High Country Bank open on Saturdays?

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Do High Country Bank branches have notaries?

Will High Country Bank notarize my document?

What address for High Country Bank should I put for incoming ACH transfers?

Will the High Country Bank branch print checks?

Do High Country Bank checks expire?

Does High Country Bank require US citizenship to open account?

Can High Country Bank close my account?

Does High Country Bank Report to credit bureaus?

Does High Country Bank Use Equifax?

What is High Country Bank's ACH Routing Number?

What is High Country Bank's SWIFT code?


Does High Country Bank offer mortgages?

Compare mortgage rates here.

Does High Country Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does High Country Bank offer personal loans?

Compare personal loan rates here.

Does High Country Bank offer student loans?

Will High Country Bank cash a check?

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Does High Country Bank cash savings bonds?

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Can High Country Bank issue a money order?

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Background on The Bank

Who owns High Country Bank?

How long has High Country Bank been around?

Can High Country Bank transfer to other banks?

Does High Country Bank have quick pay?

Does High Country Bank accept rolled coins?

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