The Dolores State Bank: how it compares with its peers
Against 34 CO banks with half to twice its assets, The Dolores State Bank's strongest measure in Q2 2026 is efficiency ratio (44.50% vs. a 65.18% peer median). Its weakest relative measure is return on assets (1.86% vs. 1.26%).
| Measure | The Dolores State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.86% | 1.26% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.65% | 4.09% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.50% | 65.18% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.7M | $7.5M | Top third Ahead of 91% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.32% | 81.35% | Context |
What it means for lending operations
Its efficiency ratio of 44.50% is better than the 65.18% 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
- Integrity Bank & Trust Monument, CO · $460M
- Frontier Bank Lamar, CO · $436M
- Bankers' Bank of the West Denver, CO · $434M
- Farmers State Bank of Calhan Calhan, CO · $416M
- San Luis Valley Federal Bank Alamosa, CO · $390M
- First FarmBank Greeley, CO · $384M
Questions about The Dolores State Bank
How big is The Dolores State Bank?
The Dolores State Bank, established in 1959, is headquartered in Dolores, CO. It reported $456M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The Dolores State Bank's return on assets?
1.86% annualized in Q2 2026, against a 1.26% median for 34 CO banks with half to twice its assets, ahead of 68% of them.
What is The Dolores State Bank's efficiency ratio?
44.50% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 65.18%, and lower is better.
Is The Dolores State Bank growing its loans?
Net loans grew 11.6% over the year to Q2 2026, while deposits grew 3.4%.
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.