The Colorado Bank And Trust Company Of La Junta vs Mcclave State Bank
Comparing a Bank in La Junta, CO with a Bank in Mcclave, CO using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Colorado Bank And Trust Company Of La Junta ↗ Bank · La Junta, CO · Est. 1907 | Mcclave State Bank ↗ Bank · Mcclave, CO · Est. 1920 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | La Junta, CO | Mcclave, CO |
| Total assets | $332.9M | $79.1M |
| Capital ratio | 10.9% | 13.4% |
| Return on assets | 1.0% | 1.7% |
| Deposits | $283.8M | $66.1M |
| Branches | 5 | 2 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 64 | #2 of 64 |
| Established | 1907 | 1920 |
The Colorado Bank And Trust Company Of La Junta
- Assets: $332.9M
- Deposits: $283.8M
- Capital ratio: 10.9%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #3 of 64
Mcclave State Bank
- Assets: $79.1M
- Deposits: $66.1M
- Capital ratio: 13.4%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #2 of 64
Are both institutions federally insured?
Yes. The Colorado Bank And Trust Company Of La Junta is FDIC-insured and Mcclave State Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The Colorado Bank And Trust Company Of La Junta or Mcclave State Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Colorado Bank And Trust Company Of La Junta scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The Colorado Bank And Trust Company Of La Junta safe?
Yes — The Colorado Bank And Trust Company Of La Junta is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Mcclave State Bank safe?
Yes — Mcclave State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The Colorado Bank And Trust Company Of La Junta vs Mcclave State Bank?
The Colorado Bank And Trust Company Of La Junta has a capital ratio of 10.9%, placing it in the top 39% of $100M–1B peers. Mcclave State Bank's ratio is 13.4%, placing it in the top 39% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Colorado Bank And Trust Company Of La Junta have compared to Mcclave State Bank?
The CFPB database shows 0 complaints against The Colorado Bank And Trust Company Of La Junta, and 0 complaints against Mcclave State Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The Colorado Bank And Trust Company Of La Junta with other Banks in Colorado
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
