🏦Bank Scorer

RG BANK, A SAVINGS AND LOAN ASSOCIATION

MONTE VISTA, CO · Supervised by FDIC

Est. 1905FDIC #28,315RSSD: FDIC-28315
Satisfactory Same

Current rating · Exam: June 2021

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.61%

Is this bank safe?

RG BANK, A SAVINGS AND LOAN ASSOCIATION holds a Satisfactory CRA rating (2021), meets basic financial requirements (ROA +0.61%).

Institution Profile

FDIC BankFind

Address

901 1st Ave, MONTE VISTA, CO

County

Rio Grande County

Established

January 1, 1905

Total Assets

$136M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2021

Exam Type

Small Bank

Regulator

FDIC
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$136M

Total Deposits

$121M

Net Loans

$105M

Net Income

$209K

ROA

0.61%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.84%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.61%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$122M

1-Year Change

0

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jun 2021SatisfactorySmall Bank
Jul 2015SatisfactorySmall Bank

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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