High Country Bancorp, Inc. is a bank holding company which has two wholly owned subsidiaries, High Country Bank (the Bank) and B.Ass. Co., Inc. (B.Ass). The Bank is a Colorado state chartered commercial bank with Federal Reserve Bank membership. The Bank provides a variety of financial services to the area it provides. Its primary deposit products are noninterest-bearing and interest-bearing checking accounts, savings accounts and time deposit accounts, and its primary lending products are real estate mortgage, construction, consumer and commercial loans. The Bank's commercial services include commercial real estate, equipment loans, and commercial line of credit. Its saving accounts include statement savings, club savings, vacation club, money market savings, certificates of deposit and individual retirement account - IRA. B.Ass makes limited investments in notes receivable and real estate acquired at fair value from the Bank.