McClave State Bank: how it compares with its peers
Against 11 CO banks with half to twice its assets, McClave State Bank's strongest measure in Q2 2026 is return on assets (1.81% vs. a 0.60% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $5.8M).
| Measure | McClave State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.81% | 0.60% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.98% | 4.03% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.28% | 76.66% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $5.8M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 103.95% | 75.04% | Context |
What it means for lending operations
Its efficiency ratio of 50.28% is better than the 76.66% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Century Savings and Loan Association Trinidad, CO · $75M
- Gunnison Savings and Loan Association Gunnison, CO · $102M
- Pikes Peak National Bank Colorado Springs, CO · $111M
- Champion Bank Parker, CO · $42M
- The Farmers State Bank of Brush Brush, CO · $117M
- Rocky Mountain Bank & Trust Florence, CO · $127M
Questions about McClave State Bank
How big is McClave State Bank?
McClave State Bank, established in 1920, is headquartered in Mcclave, CO. It reported $79M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is McClave State Bank's return on assets?
1.81% annualized in Q2 2026, against a 0.60% median for 11 CO banks with half to twice its assets, ahead of 100% of them.
What is McClave State Bank's efficiency ratio?
50.28% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 76.66%, and lower is better.
Is McClave State Bank growing its loans?
Net loans shrank 1.1% over the year to Q2 2026, while deposits shrank 0.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.