McClave State Bank
Mcclave, Colorado, Bent County
$79M in total assets, the 3,900th largest of 4,309 US banks and 58th of 63 headquartered in Colorado.
- FDIC certificate
- 11261
- Established
- 1920
- Owned by
- No holding company
- Primary regulator
- FDIC
- Website
- http://www.mcclavebank.com
At a glance
Compared with 580 US banks with under $100 million in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $79M | 70% | $62M | |
| Loans | $69M | 94% | $31M | |
| Deposits | $65M | 69% | $51M | |
| Return on assets | 1.58% | 77% | 0.96% | |
| Net interest margin | 4.98% | 87% | 3.84% | |
| Efficiency ratio | 50.3% | 10% | 70.8% | |
| Equity to assets | 13.94% | 61% | 12.56% | |
| Loans to deposits | 105% | 94% | 67% |
Growth
Total assets grew 11.2% a year over the last 5 years and 8.2% a year over 10 years, without acquisitions.
Where they operate
2 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Bent County, CO | $56M | 30.5% | 2 of 2 |
| Prowers County, CO | $9M | 1.8% | 6 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (1 to 2, +100.0%). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 1 | |||
| 2025 | Opened Lamar | 1 | 0 | +1 | 2 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Agricultural | 35% | 13% | |
| Farmland | 32% | 13% | |
| 1-4 family residential | 11% | 33% | |
| Commercial real estate | 11% | 14% | |
| Business (C&I) | 9% | 12% | |
| Consumer | 1% | 7% | |
| Construction and land | 0% | 4% | |
| Multifamily | 0% | 2% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 67% | 36% | |
| Other interest-bearing | 22% | 40% | |
| Noninterest-bearing | 10% | 24% |
Brokered deposits are 14.9% of deposits (peers 1.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.46% |
| Net charge-offs, annualized | 0.01% | 0.00% |
| Reserves to loans | 1.19% | 1.24% |
| Leverage ratio | 14.04% | 13.04% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Colorado
Largest competitors in Bent County, CO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/mcclave