The Colorado Bank And Trust Company Of La Junta vs Sterling
Comparing a Bank in La Junta, CO with a Credit Union in Sterling, 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 | Sterling ↗ Credit Union · Sterling, CO · Est. 1938 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | La Junta, CO | Sterling, CO |
| Total assets | $332.9M | $246.9M |
| Capital ratio | 10.9% | 16.7% |
| Return on assets | 1.0% | 1.4% |
| Deposits | $283.8M | — |
| Branches | 5 | 10,321 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 64 | #2 of 62 |
| Established | 1907 | 1938 |
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
Sterling
- Assets: $246.9M
- Members: 10,321
- Capital ratio: 16.7%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #2 of 62
Are both institutions federally insured?
Yes. The Colorado Bank And Trust Company Of La Junta is FDIC-insured and Sterling is NCUA-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 Sterling?
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 Sterling safe?
Yes — Sterling is NCUA-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 Sterling?
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. Sterling's ratio is 16.7%, placing it in the top 7% of $100M–1B 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 Sterling?
The CFPB database shows 0 complaints against The Colorado Bank And Trust Company Of La Junta, and 0 complaints against Sterling. 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 and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
