Bank · FDIC insured
The Dolores State Bank
A $456.3M bank headquartered in Dolores, CO, with 3 branches in Colorado. Best rates: CDs 4.06% and savings 1.00% APY.
The Dolores State Bank Carrot Score
79
Carrot Score
Higher than 50% of U.S. banks and credit unions
#50 of 103 in ColoradoHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Dolores State Bank
Founded in 1959 by four local businessmen after the town lost its only bank, The Dolores State Bank is a locally owned independent bank.
The bank expanded by opening its Cortez branch in 2001 and acquiring Mancos Valley Bank in 2015, becoming the largest independent bank in Montezuma County, Colorado.
- Headquarters
- 101 S 6th St, Dolores, CO 81323
- FDIC certificate
- 17959 ↗
Branches
3 branches in Colorado
Loading map…
Colorado
3 branches
Dolores area · 1
- The Dolores State BankMain office101 S 6th St, Dolores, CO 81323Directions
Cortez area · 1
- Cortez Branch744 E Main St, Cortez, CO 81321Directions
Mancos area · 1
- Mancos Branch138 North Main Street, Mancos, CO 81328Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.64% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.02% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.86% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $93 | $81 | — |
- CapitalLeverage ratio15.64%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.02%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.86%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$93Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of The Dolores State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.