Who We Are


High Country Bank's mission is to Strengthen our communities, Help our neighbors, Promote career growth and development of our employees, and Reward our stakeholders.

On October 27, 1886, an organization meeting of citizens of Chaffee County Colorado was held for the purpose of organizing a Building and Loan Association.  Mr. J. B. Randall was elected Chairman and W.W. Roller was elected Secretary of the Committee to proceed working on a charter.  There were nine directors elected from the shareholders present at a meeting held on November 4, 1886, and so was the beginning of High Country Bank.  The original bank was called the Chaffee County Bank before forming a Building Society and chartering Salida Building & Loan Association. 

In 1937, the Association applied for and was granted the right to insure savings accounts by the Federal Savings and Loan Insurance Corporation and became a member of the Federal Home Loan Bank of Topeka. 

One of our earliest locations was at 132 F Street, Salida, however in 1971 the association purchased the property where the Downtown office is now located.  Construction of the new facility started in November of 1973 and was completed and occupied in June of 1974. 

In December of 1997, the institution converted from a locally owned institution to a public stock owned institution and is still traded under the ticker symbol HCBC.   On February 15, 2000, to better reflect the areas we serve, our name was officially changed to High Country Bank.  

In April of 1999, the Bank started construction on a new bank building on Highway 50, in Salida and was completed and occupied in April of 2000.  It is presently the home office of the Bank.   The Downtown branch still operates out of the 130 W. 2nd location.   In 1996 the Bank opened a branch in Buena Vista, Colorado and subsequently built our current full service branch facility at 516 Hwy 24 North, Buena Vista, Colorado.   In September of 2001, the Bank opened a loan production office in Cañon City, Colorado, and in July of 2005, a new building was remodeled and completed for our full service branch in Cañon City at our current location of 150 N. Raynolds Avenue.

On April 1, 2009, we converted our Bank from an Office of Thrift Supervision regulated Federal Thrift Charter to a Colorado State Charter, Federal Reserve Member Commercial Bank. Visit https://www.federalreserve.gov/ to contact the Federal Reserve, our primary federal regulator.

High Country Bank is the largest financier of real estate loans in Chaffee County, with more than 500 loans closed in 2019. That is 72.09 percent of real estate loans in Chaffee County. 

Community support is high on the list of priorities of the Bank.  Last year, we donated over $100,000 in support to local organizations, non-profits, and schools.  Some of the organizations that we proudly support include Heart of the Rockies Regional Medical Center, Neighbor to Neighbor, Boys and Girls Club, Alliance Against Domestic Abuse, Chaffee County Search and Rescue, Ark-Valley Humane Society, Habitat for Humanity, Farm to Table, Art Walk, Friends of the Steamplant, and many more.

High Country Bank offers a full service of loan products, including business, construction, residential real estate, and consumer loans.  All decisions are made locally at High Country Bank.  While HCB remains a community bank, we offer many of the same services that big city financial institutions offer, including a Save As You Spend Account, online banking, bill pay through the internet, mobile deposit, person to person, and e-statements.   “We love doing business with local people and keeping money in the local communities that we serve,” Larry Smith, High Country Bank President says.

High Country Bank employs around 70 people at our four locations.  Directors include Larry Smith, Tim Glenn, Pete Cordova, Michael Matthews, Rich Young, and Rich Edgington. We are a member of the American Banking Association, Independent Community Bankers of America, and Independent Bankers of Colorado.  We are also proud members of the Salida Sunrise Rotary, the local Chamber of Commerce, and the Salida Business Alliance.