Holiday Closure
The Dolores State Bank will be closed Wednesday, November 11th in observance of Veterans Day.
Full-Service Banking in Cortez
The Dolores State Bank Cortez branch at 744 E. Main St. is a full-service bank in Cortez, the county seat of Montezuma County. It has a staffed lobby, a drive-up window, and a 24-hour ATM, and it is the only Dolores State Bank lobby open on Saturday. Call 970-564-1400.
Weekday lobby hours are 8:30 a.m. to 4:30 p.m. The drive-up stays open until 5 p.m. Monday through Thursday and 5:30 p.m. on Friday. On Saturday, the lobby and drive-up are both open 8:30 a.m. to noon.
Dolores State Bank is the largest independent bank in Montezuma County, headquartered in Dolores since 1959. We opened the Cortez branch in 2001 to serve the county's commercial center, and it offers our full range of personal, business, and agricultural banking. You can open an account, apply for a loan, or make a business deposit here.
Our mortgages and home equity lines of credit stay on the bank's own books instead of being sold, so you keep working with Dolores State Bank for the life of the loan. All of our decisions are made locally.
Hours and directions for all DSB locations are on our locations page. Stop by 744 E. Main St., use the drive-up, or call 970-564-1400. No appointment is needed to open an account or talk with a lender.
Personal and Business Banking Services
The Cortez branch offers the bank's full range of deposit accounts, loans, and digital banking. The product pages have the details.
Business Banking
Business banking at the Cortez branch covers the accounts and credit a local business runs on.
- Business checking for day-to-day operations
- Business loans for real estate, equipment, and working capital, with fixed or adjustable rates and decisions made locally and quickly
- Agriculture loans for farms and ranches in Montezuma County and the surrounding area, with fixed or adjustable rates, flexible terms, lines of credit, and decisions made locally
Personal Banking
An account opened here works at any Dolores State Bank branch.
- Compare our checking accounts side by side, including the NOW Account, Benefits Plus, and Basic Checking
- Savings and money market accounts for everyday saving and larger balances
- Certificates of deposit and individual retirement accounts
- Mortgages, home equity lines of credit, and land-only loans, all kept in-house
- Construction loans for residential and commercial projects
- Personal and auto loans for vehicles and other borrowing
Digital Banking
Online and mobile banking through the myDSB mobile app lets you check balances, transfer funds, deposit checks with mobile deposit, pay bills, and set up account alerts. Digital wallets, person-to-person payments, and card management are also available.
For current rates on any loan, call the branch. Approval depends on your credit, collateral, and overall financial picture. NMLS# 409186.
Local Banking in the County Seat
Cortez is the county seat and commercial center of Montezuma County, with 9,126 residents as of the Census Bureau's 2025 estimate. The City of Cortez is the largest town in a county whose economy includes farming, ranching, and tourism tied to Mesa Verde National Park, which Mesa Verde Country promotes on behalf of Cortez, Dolores, and Mancos.
We opened this branch in 2001 to serve that commercial center. The bank's headquarters is still in Dolores, about 11 miles away, which keeps Dolores State Bank's leadership in the same county as its Cortez customers.
If you are comparing banks in Cortez, the difference here is independence. Dolores State Bank is locally owned, headquartered in Montezuma County, and keeps its mortgages. It also runs full-service branches in Dolores and Mancos and loan production offices in Durango and Telluride, covering the broader Southwest Colorado region.
Frequently Asked Questions
What are the hours for the Dolores State Bank Cortez branch?
The lobby is open Monday through Friday, 8:30 a.m. to 4:30 p.m., and Saturday, 8:30 a.m. to noon. The drive-up window is open Monday through Thursday, 8:30 a.m. to 5 p.m.; Friday, 8:30 a.m. to 5:30 p.m.; and Saturday, 8:30 a.m. to noon. The ATM is available 24 hours a day. Call 970-564-1400 to confirm hours around holidays.
Does the Cortez branch offer business banking services?
Yes. Business banking at the Cortez branch includes business checking, business loans for real estate, equipment, and working capital, and agriculture loans for farms and ranches. Decisions on business and agriculture loans are made locally and quickly, and business accounts can be opened in the lobby during regular hours. Call 970-564-1400 or stop by 744 E. Main St. to talk about what your business needs.
Is Dolores State Bank locally owned?
Yes. Dolores State Bank is an independent, locally owned bank headquartered in Dolores, about 11 miles from the Cortez branch, and it has served Montezuma County since 1959. It is the largest independent bank in the county. Its mortgages and home equity lines of credit are owned by the bank and never sold, and its land-only loans are also handled in-house.
Does Dolores State Bank have other locations besides Cortez?
Yes. Dolores State Bank operates full-service branches in Dolores, which is also the headquarters, and in Mancos, plus loan production offices in Durango and Telluride. The two lending offices handle loans only, so deposit accounts are opened at one of the three branches. You can bank at any branch regardless of where your account started, and all three keep the same drive-up hours. See the locations page for details.
Visit 744 E. Main St. in Cortez, call 970-564-1400, or contact us online to get started.
Equal Housing Lender. NMLS# 409186.