Rg Bank A Savings&Loan Assn (FDIC #28315): Bank Stress & Real-Estate Credit Exposure

Rg Bank A Savings&Loan Assn (FDIC Cert #28315): bank stress 76/100, severe, STABLE over 7 days.

Rg Bank A Savings&Loan Assn (#28315) lends in 3 counties across 1 state; Rg Bank A Savings&Loan Assn (#28315) reaches 12 ZIP codes: Colorado 3 counties, 12 ZIPs.

Rg Bank A Savings&Loan Assn (#28315) largest markets: Alamosa County, CO (5 branches, 5 ZIPs) (#28315), Archuleta County, CO (5 branches, 5 ZIPs) (#28315), Rio Grande County, CO (4 branches, 4 ZIPs) (#28315).

Rg Bank A Savings&Loan Assn (#28315) reports $136.7 million in total assets; Rg Bank A Savings&Loan Assn (#28315) equity $14.7 million (10.7% of Rg Bank A Savings&Loan Assn (#28315) assets); Rg Bank A Savings&Loan Assn (#28315) domestic deposits $121.4 million; Rg Bank A Savings&Loan Assn (#28315) net income $407,000; Rg Bank A Savings&Loan Assn (#28315) return on assets 0.60%; Rg Bank A Savings&Loan Assn (#28315) return on equity 5.64%; Rg Bank A Savings&Loan Assn (#28315) net interest income $2.6 million; Rg Bank A Savings&Loan Assn (#28315) call report June 30, 2026.

Rg Bank A Savings&Loan Assn (#28315) noncurrent real-estate loans: none reported; Rg Bank A Savings&Loan Assn (#28315) net charge-offs on real estate 1.56%; Rg Bank A Savings&Loan Assn (#28315) residential charge-offs 4.65%.

Rg Bank A Savings&Loan Assn (#28315) net interest margin 4.16% against an eight-quarter Rg Bank A Savings&Loan Assn (#28315) average of 3.89% (Rg Bank A Savings&Loan Assn (#28315) compression -0.27 points); Rg Bank A Savings&Loan Assn (#28315) non-residential real estate 465.3% of equity; Rg Bank A Savings&Loan Assn (#28315) rate-exposure score 40/100, Rg Bank A Savings&Loan Assn (#28315) fixed-rate trap 40/100; Rg Bank A Savings&Loan Assn (#28315) risk type credit driven; Rg Bank A Savings&Loan Assn (#28315) rate regime rates elevated, Rg Bank A Savings&Loan Assn (#28315) snapshot October 19, 2026.

Rg Bank A Savings&Loan Assn (#28315) stress score moved from 74.3 on June 22, 2026 to 76 on October 19, 2026; Rg Bank A Savings&Loan Assn (#28315) ranged 74.3 to 76 over 116 snapshots.

Rg Bank A Savings&Loan Assn (#28315) alerts: 3 counties; top Rg Bank A Savings&Loan Assn (#28315) alert scores: Alamosa County, CO 32 (low); Monte Vista County, CO 24 (low); Pagosa Springs County, CO 24 (low).