High Country Bank

7360 West Us Highway 50
Salida, CO 81201

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 29783
Date Established 1886
Assets $0.28 billion
Loans $0.22 billion
Deposits $0.25 billion
Capital $0.03 billion

High Country Bank is an FDIC insured institution located in Salida, CO. It was founded in 1886 and has approximately $0.28 billion in assets. Customers can open an account at one of its 4 branches.

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 - October 21, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.01% $500 $9,999 Learn MoreShow Less
Money Market
0.02% $10,000 $49,999 Learn MoreShow Less
3 Mo CD
0.15% $500 - Learn MoreShow Less
6 Mo CD
0.25% $500 - Learn MoreShow Less
12 Mo CD
0.40% $500 - Learn MoreShow Less
18 Mo CD
0.50% $500 - Learn MoreShow Less
24 Mo CD
0.65% $500 - Learn MoreShow Less
36 Mo CD
0.75% $500 - Learn MoreShow Less
48 Mo CD
0.91% $500 - Learn MoreShow Less
60 Mo CD
1.11% $500 - Learn MoreShow Less

Fixed IRA
0.50% $500 - Learn MoreShow Less

Loan Rates - October 21, 2019

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
NMLS ID: 2890
License#: 13256
3.523% 3.500% 0.25 $732 $1,123 Learn More
First Internet Bank
NMLS ID: 424182
3.750% 3.750% -0.13 ($158) $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.250 %
Intro Period: 12 months
$25,000 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% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2019, High Country Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $27,882,000 in equity and $1,547,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
High Country Bank U.S. Bank Average
16.39% 9.50%

High Country Bank has a Return on Equity of 16.39% versus the BestCashCow average of 9.50%. 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
10.13% 12.76%

High Country Bank has a Capitalization of 10.13% versus the BestCashCow average of 12.76. 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 June 30, 2019, High Country Bank had assets of $275,323,000, loans of $216,849,000, and deposits of $245,628,000. 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

June 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.22 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.25 billion
Total deposits $0.25 billion
      Interest-bearing deposits $0.18 billion
      Deposits held in domestic offices $0.25 billion
      % insured (estimated) 90.35%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.25 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

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 34.48
Credit Card Loans 0.00
Consumer Auto Loans 0.49
Small Business Loans 23.92
Construction and Development Loans 16.90
Commercial Real Estate 35.53
Commercial and Industrial Loans 12.43
Farm Loans 0.00

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?

Is High Country Bank open on Sundays?

What time does High Country Bank open?

What time does High Country Bank close?

Are High Country Bank ATMs Open 24/7?

Do High Country Bank ATMs accept cash deposits?

Can High Country Bank customers use other ATMs?

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?

Will High Country Bank redeem a savings bond?

Does High Country Bank cash savings bonds?

Will High Country Bank cash money orders?

Can High Country Bank issue a money order?

Does High Country Bank do currency exchange?

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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Where is High Country Bank headquarters?

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