High Country Bancorp Inc
High Country Bancorp, Inc., a bank holding company, provides various banking products and services. The company accepts noninterest-bearing and interest-bearing checking accounts, savings, money market, and individual retirement accounts; time deposits; and certificates of deposits. It provides personal loans; commercial real estate loans, equipment loans, and commercial lines of credit; home equ… Read more
High Country Bancorp Inc (HCBC) - Net Assets
Latest net assets as of December 2025: $44.16 Million USD
Based on the latest financial reports, High Country Bancorp Inc (HCBC) has net assets worth $44.16 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($533.61 Million) and total liabilities ($489.45 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $44.16 Million |
| % of Total Assets | 8.28% |
| Annual Growth Rate | 3.9% |
| 5-Year Change | 11.9% |
| 10-Year Change | 71.18% |
| Growth Volatility | 13.31 |
High Country Bancorp Inc - Net Assets Trend (2000–2025)
This chart illustrates how High Country Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for High Country Bancorp Inc (2000–2025)
The table below shows the annual net assets of High Country Bancorp Inc from 2000 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | $41.91 Million | +6.45% |
| 2024-06-30 | $39.38 Million | +2.83% |
| 2023-06-30 | $38.29 Million | +3.44% |
| 2022-06-30 | $37.02 Million | -1.17% |
| 2021-06-30 | $37.46 Million | +7.43% |
| 2020-06-30 | $34.87 Million | +30.28% |
| 2019-06-30 | $26.76 Million | +2.14% |
| 2018-06-30 | $26.20 Million | +2.41% |
| 2017-06-30 | $25.59 Million | +4.50% |
| 2016-06-30 | $24.49 Million | +31.94% |
| 2015-06-30 | $18.56 Million | -19.46% |
| 2014-06-30 | $23.04 Million | +30.03% |
| 2003-06-30 | $17.72 Million | +9.86% |
| 2002-06-30 | $16.13 Million | -2.58% |
| 2001-06-30 | $16.56 Million | +2.80% |
| 2000-06-30 | $16.11 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to High Country Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 364.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $34.50 Million | 82.30% |
| Other Components | $7.42 Million | 17.70% |
| Total Equity | $41.91 Million | 100.00% |
High Country Bancorp Inc Competitors by Market Cap
The table below lists competitors of High Country Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
CarbonTech Capital Corp.
V:CT-P
|
$271.54K |
|
MARUBENI CORP - Dusseldorf Stock Exchang
DU:MARA
|
$271.68K |
|
Crazy Woman Creek Bancorp Incorporated
PINK:CRZY
|
$271.94K |
|
DAIWA HOUSE IND - Dusseldorf Stock Exchang
DU:DWH
|
$271.97K |
|
Charming Medical Limited Class A Ordinary Shares
NASDAQ:MCTA
|
$271.36K |
|
Jeol Ltd
BE:JEL
|
$271.11K |
|
SEAWLD ENT (W2L.SG)
STU:W2L
|
$271.05K |
|
Video River Networks
PINK:NIHK
|
$270.77K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in High Country Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 39,375,000 to 41,915,000, a change of 2,540,000 (6.5%).
- Net income of 3,575,000 contributed positively to equity growth.
- Dividend payments of 1,925,000 reduced retained earnings.
- Share repurchases of 166,000 reduced equity.
- Other factors increased equity by 1,056,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $3.58 Million | +8.53% |
| Dividends Paid | $1.93 Million | -4.59% |
| Share Repurchases | $166.00K | -0.4% |
| Other Changes | $1.06 Million | +2.52% |
| Total Change | $- | 6.45% |
Book Value vs Market Value Analysis
This analysis compares High Country Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.69x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-06-30 | $0.00 | $28.84 | x |
| 2017-06-30 | $27.75 | $28.84 | x |
| 2018-06-30 | $28.42 | $28.84 | x |
| 2019-06-30 | $29.03 | $28.84 | x |
| 2020-06-30 | $33.53 | $28.84 | x |
| 2021-06-30 | $36.23 | $28.84 | x |
| 2022-06-30 | $35.86 | $28.84 | x |
| 2023-06-30 | $37.53 | $28.84 | x |
| 2024-06-30 | $38.59 | $28.84 | x |
| 2025-06-30 | $41.70 | $28.84 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently High Country Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.53%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.28%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 12.26x
- Recent ROE (8.53%) is below the historical average (10.41%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 6.49% | 10.33% | 0.07x | 8.55x | $-564.80K |
| 2001 | 7.68% | 9.38% | 0.08x | 9.74x | $-383.90K |
| 2002 | 10.36% | 11.43% | 0.08x | 10.95x | $57.90K |
| 2003 | 10.99% | 13.13% | 0.08x | 10.57x | $175.80K |
| 2014 | 7.93% | 18.64% | 0.05x | 8.76x | $-478.15K |
| 2015 | 9.33% | 20.84% | 0.05x | 9.22x | $-124.80K |
| 2016 | 11.28% | 24.73% | 0.05x | 9.41x | $313.17K |
| 2017 | 11.62% | 23.65% | 0.05x | 9.67x | $415.20K |
| 2018 | 10.15% | 19.37% | 0.05x | 10.13x | $40.60K |
| 2019 | 15.10% | 25.85% | 0.06x | 10.29x | $1.37 Million |
| 2020 | 12.42% | 23.47% | 0.06x | 9.51x | $845.30K |
| 2021 | 13.00% | 22.85% | 0.05x | 10.79x | $1.13 Million |
| 2022 | 11.46% | 20.51% | 0.05x | 12.30x | $541.30K |
| 2023 | 11.90% | 21.94% | 0.05x | 11.49x | $727.90K |
| 2024 | 8.26% | 15.80% | 0.04x | 12.20x | $-684.50K |
| 2025 | 8.53% | 15.28% | 0.05x | 12.26x | $-616.50K |
Industry Comparison
This section compares High Country Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $22,823,266,317
- Average return on equity (ROE) among peers: 14.64%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| High Country Bancorp Inc (HCBC) | $44.16 Million | 6.49% | 11.08x | $271.41K |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.91 Billion |
| ACNB Corporation (ACNB) | $106.80 Million | 8.72% | 8.79x | $452.68 Million |
| Addiko Bank AG (ADBKF) | $6.08 Billion | 0.58% | 0.00x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $79.98 Million |
| Absa Group Limited (AGRPF) | $56.49 Billion | 12.11% | 11.71x | $6.72 Billion |
| AIB Group plc (AIBGY) | $2.74 Billion | 18.02% | 16.84x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $153.61 Billion | 39.08% | 6.47x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $8.37 Billion | 34.92% | 7.81x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $235.94 Million | 14.17% | 11.96x | $248.47 Million |