🏦Bank Scorer

THE EASTERN COLORADO BANK

CHEYENNE WELLS, CO · Supervised by FDIC

Est. 1944FDIC #16,125RSSD: FDIC-16125
Part ofWEED INVESTMENT GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.25%

Institution Profile

FDIC BankFind

Address

10 S 1st St E, CHEYENNE WELLS, CO

County

Cheyenne County

Established

March 1, 1944

Total Assets

$716M(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, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$716M

Total Deposits

$605M

Net Loans

$460M

Net Income

$2M

ROA

1.25%

ROE

11.82%

Risk-Based Capital

14.32%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate7.41%Peer avg: 7.63%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$574M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245472.22%7.41%
20232864.29%17.86%
20228655.81%12.79%
202113775.91%10.95%
202012773.23%3.94%
20197178.87%2.82%
20185766.67%10.53%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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