# FIRST STATE BANK OF COLORADO
HOTCHKISS, CO · FDIC certificate 12373 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $237.4M | |
| Deposits | $205.2M | |
| Loans and leases | $139.5M | |
| Total equity | $30.9M | |
| Loans / deposits | 67.38% (p33 of band) | 77.79% |
| Liquid assets / assets | 37.62% (p66 of band) | |
| Uninsured deposits / deposits | 14.05% (p42 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.90% (p55 of band) | 11.56% |
| Unrealized securities loss / equity | 0.71% (p48 of band) | 0.80% |
| AOCI / equity | 1.28% (p37 of band) | |
| ROA (annualized) | 1.06% (p51 of band) | 1.05% |
| Net interest margin | 4.48% (p83 of band) | 3.84% |
| Efficiency ratio | 66.42% (p43 of band) | |
| Noncurrent loans | 1.05% (p67 of band) | 0.56% |
| Net charge-offs (annualized) | -0.02% (p10 of band) | |
| Reserve coverage of noncurrent | 87.13% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 73.56% (p90 of band) | |
| Auto loans | $516,000 (0.37% of loans; DQ 1.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 56 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | capital falling | charge-offs p90 |
| 2013-03 | 3 | noncurrent p90, charge-offs p90 | capital falling |
| 2013-06 | 2 |  | noncurrent p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | noncurrent p90 |  |
| 2014-03 | 2 |  | noncurrent p90 |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 | noncurrent p90 | charge-offs p90 |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2015-12 | 2 | capital falling | charge-offs p90 |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 3 | NIM <2.5%, reserve under noncurrent |  |
| 2018-03 | 1 |  | capital falling, NIM <2.5% |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | construction >100% equity | reserve under noncurrent |
| 2019-03 | 0 |  | construction >100% equity |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-07-14 [First State Bank of Colorado merges with new bank holding company - 9News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPRkJLLVpudUNpV01UT0ZLcWxUNGRCMlAtcjFUMkFjS19jTDlZbXdHOGphNVhyRU5MejJ6QkJkVjZqcHZnLUM4T0J1VlB6aGFWbWhCd0RxdnpaZ1ZoWGNCYzZoVElmR254SVV2WTI4enBJel9ULWhkbm84bXU5aHhBTUtZWnVhMGNGa0xwbVNiWHJQODc3a3MtVXliNmFRVDJGN3R2amU4MDRZN0x1eXRJMUszd0UxWGN2b1BGRXY5Sng?oc=5) · 9News
- 2025-02-04 [The Fiscal Impact of Credit Unions Purchasing Bank Assets - commonsenseinstituteus.org](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbzZ6aHBNZklIRUJXUXN5ZHlmNnlWUkNrZjlQaGJOOTVrVjg5XzBUV3pvcWlxTzFGb3F5bW81YWt6MHp4aGp0ZkVxZms2QVo3T180bW5BdE9kclByQkRYTFJ2ZlluU0pxdHZMbkc5clQ2VE5IcnpVV2FaN041dnlyWk9mbm9iUTZ2dFh2MU9IVGhhMGhnVVVjTlNWMUV2ejdjSkxoNG1KWHVobUhFZm9XN0p3dWt4czFNU3dFZE0xcGdGVEho?oc=5) · commonsenseinstituteus.org
- 2019-10-21 [Local Bank is swallowed by California Corporation - Wet Mountain Tribune](https://news.google.com/rss/articles/CBMilwFBVV95cUxNRlo4RDJJZnVKNTI0ZGxaZ0RVZ3R4ckhiaU5HTzI5cERPenVTSzY1elVKTktMZlVPTVdhcTJYRXVGZUYtbTR0ZGZwRi1KVk1rUGxuVWw5LWlrb290RjdCRVg1Z3hiY0k1X1A1ejhKQlg4RVJNN1ZYNVhHWWI4MUVCQVNJU1pHdWlKRXUycHROc0t5VnJxOFlR?oc=5) · Wet Mountain Tribune
- 2019-05-17 [First National Bank to acquire community-oriented Colorado bank - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxPbGc3bms4SWYxWDUtOHFEWnlhZ1l5d2l3X0VjaEh2Q1dONUI4LXIxbGFSYWtrdnhpejdlTjFNZ1NEek9hMFpSNHVXVUtwTTJzWE5XeVA3Q01VOE9VbHNNTl90X3Y5bk1XWVBvUkV3S0Z2c3Z1N3NabHZacFZzNGZxT01Tb0Uzc0ZROFlNZlFVMEhHaE5i?oc=5) · The Business Journals
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2019-07-22 [How one bank plans to grow its SBA lending program in Colorado - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxOb05WaWdxYnBONDNHRzUzVTN2YnJ3bHR1T3d4V3V1eVluYmx5anBwb3hZLVZJYWhvZ0Z2c3RESDhNNFNQbEJ2X1lBdXFPU2pzcnNjZUY1ZVE0RlRTSlgyRlRqY2R4NjBWaHVISmloaHJxU1I2Mk1KYmxZMkcwa2RiTG45RjNCVGxSdE1XaDVwZm13ZTRa?oc=5) · The Business Journals
- 2015-10-20 [Apple Pay Now Supports HSBC and Over 70 Other Issuers in U.S. - MacRumors](https://news.google.com/rss/articles/CBMiekFVX3lxTFBUTHRCY3IzdWNublNxdFdfQTFrMXNIM1djSGRhdEJQYm1fTWxleG9LT0lQbm0zS1psTVpiRmxmM0tDbGgzWEtGX2NPS184eC1iVkhnblRscUJ2TUU5aDdOM2x6VXFvZEpPckRZdFY1eEJIbC12MnBsUHdn?oc=5) · MacRumors
- 2017-06-07 [Mandy Tryon Obituary (1980 - 2017) - Canon City, CO - The Canon City Daily Record - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQX3Y4d3dLOEF0M1RZUmFuRE5RbXRMU2VQc3oxTEFtYnRTVndpRjhtYnZIV01Dd0lMYXhkY2J6Q3pDQ3JIelUzSDEyYWJENVRuSzdwMC1SUkFoOGVOMVpPOG5pWnRhSmZ6TmtOcHNPQVgtVWp1Skx3d0I4TmVxYmwwcjdpV0o2dzJ0QmlaM3VzWV9RSHFoMERYSGhzYw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12373 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "12373", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide