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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Del Norte, CO · FDIC certificate #29066
DEL NORTE BANK is an FDIC-insured institution based in Del Norte, CO (FDIC certificate #29066). In its Q3 2026 Call Report it reported total assets of $154M, total deposits of $123M and net loans of $126M. Its primary federal regulator is FDIC.
Plain-language readout
DEL NORTE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $155M in Q2 2026 and were lowest at $152M in Q1 2026.
Total deposits were highest at $127M in Q2 2026 and lowest at $123M in Q1 2026.
Over the whole period total assets rose 1.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $154M | $123M | $126M | 1.17% | 11.74% | 4.93% |
| Q2 2026 | $155M | $127M | $125M | 1.22% | 12.57% | 4.87% |
| Q1 2026 | $152M | $123M | $124M | 1.12% | 11.60% | 4.81% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.8M | $5.9M | +$883K | +15.0% |
| Federal funds sold | $3.2M | $2.3M | +$905K | +39.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $9.8M | $9.8M | -$34K | -0.3% |
| Equity securities with readily determinable fair values, not held for trading | $29K | $23K | +$6K | +26.1% |
| Loans and leases held for sale | $0K | $360K | -$360K | -100.0% |
| Net loans and leases (after allowance) | $124.8M | $123.5M | +$1.3M | +1.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.6M | $2.6M | -$26K | -1.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $267K | $236K | +$31K | +13.1% |
| All other assets | $7.8M | $7.5M | +$290K | +3.9% |
| Total assets | $155.3M | $152.3M | +$3.0M | +2.0% |
| Liabilities | ||||
| Total deposits | $127.2M | $123.0M | +$4.1M | +3.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $10.8M | $12.6M | -$1.7M | -13.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.9M | $1.9M | +$35K | +1.8% |
| Total liabilities | $139.9M | $137.5M | +$2.4M | +1.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $2.2M | $2.2M | $0K | 0.0% |
| Retained earnings | $14.4M | $13.9M | +$460K | +3.3% |
| Accumulated other comprehensive income | -$1.2M | -$1.3M | +$80K | +6.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $15.3M | $14.8M | +$540K | +3.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $52K | $1.7M | -$1.6M | -96.9% |
| Adjusted nonperforming assets | $52K | $1.7M | -$1.6M | -96.9% |
| Tangible equity plus allowance | $16.5M | $15.9M | +$523K | +3.3% |
| Texas ratio (gross) | 0.32% | 10.52% | -10.20 pts | See points |
| Texas ratio (adjusted) | 0.32% | 10.52% | -10.20 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.32% | 15.30% | -14.99 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.69% | 10.48% | +0.21 pts | See points |
| Construction and land loans to total capital | 40.41% | 42.83% | -2.42 pts | See points |
| Commercial real estate to total capital | 142.65% | 148.55% | -5.90 pts | See points |
| Dividend payout, year to date | 10.70% | 11.76% | -1.07 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -10.97% | -11.75% | +0.77 pts | See points |
| Liquidity | ||||
| Core deposits | $101.4M | $97.2M | +$4.2M | +4.3% |
| Non-core funding | $36.6M | $38.4M | -$1.8M | -4.6% |
| Loans to core deposits | 124.47% | 128.50% | -4.03 pts | See points |
| Loans to deposits | 99.21% | 101.49% | -2.27 pts | See points |
| Brokered deposits share of deposits | 7.06% | 7.32% | -0.26 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 70.72% | 72.64% | -1.92 pts | See points |
| Volatile liabilities | $38.6M | $40.4M | -$1.8M | -4.4% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $570K | +$646K | +113.3% |
| Earnings before provision, single quarter | $646K | $570K | +$76K | +13.3% |
| Provision for credit losses, year to date | $30K | $15K | +$15K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.26% | 6.96% | +0.30 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 6.24% | 6.05% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 0.06% | 0.04% | +0.02 pts | See points |
| Cost of savings and money market deposits | 2.20% | 2.05% | +0.14 pts | See points |
| Cost of time deposits | 3.53% | 3.48% | +0.05 pts | See points |
| Total interest expense to average assets | 1.78% | 1.71% | +0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $154M | $123M | $126M | 1.17% | 11.74% | 4.93% |
| 2026-06-30 | $155M | $127M | $125M | 1.22% | 12.57% | 4.87% |
| 2026-03-31 | $152M | $123M | $124M | 1.12% | 11.60% | 4.81% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CO | $123M | 0.07% | 87 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.