# BANK OF DENVER
DENVER, CO · FDIC certificate 17244 · asset band <$300M · latest filing 2023-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $275.8M | |
| Deposits | $235.9M | |
| Loans and leases | $209.8M | |
| Total equity | $19.9M | |
| Loans / deposits | 88.01% (p77 of band) | 70.54% |
| Liquid assets / assets | 21.02% (p21 of band) | |
| Uninsured deposits / deposits | 32.09% (p85 of band) | 19.32% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.96% (p70 of band) | |
| FHLB advances / assets | 6.96% | |
| Tier 1 leverage | 9.10% (p17 of band) | 11.31% |
| Unrealized securities loss / equity | -30.48% (p30 of band) | -16.04% |
| AOCI / equity | 5.96% (p68 of band) | |
| ROA (annualized) | 0.36% (p18 of band) | 0.93% |
| Net interest margin | 3.60% (p53 of band) | 3.54% |
| Efficiency ratio | 86.67% (p84 of band) | |
| Noncurrent loans | 0.02% (p31 of band) | 0.20% |
| Net charge-offs (annualized) | 0.08% (p87 of band) | |
| Reserve coverage of noncurrent | 5226.19% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 64.06% (p80 of band) | |
| Auto loans | $1.1M (0.54% of loans; DQ 4.65%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.2% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-03 | 1 |  | noncurrent p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 | deposits shrinking, assets shrinking |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 3 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2023-12 | 2 |  | uninsured deposits leaving |

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

- 2026-07-29 [Sunwest Bank Completes Acquisition of Former MidWestOne and Bank of Denver, Colorado Branches from Nicolet National Bank - PR Newswire](https://news.google.com/rss/articles/CBMihgJBVV95cUxNUTdhTFEzMVY1WXBmRWFyNGJOUGFCY0Vwak9wRElSbDdyTnRYZ2ZGM0hPVDlneE5rcTlFYlIwalFwVDJ1WXZmbFFzQjl6X1hWcktmSUpLb2hXejdOSDg2YmxNU0JRcUxjOXBtdTFHZXNkdF9sSGFBN1hZREZKa1R5eUlZSDZ0LXkzRU1WVzNybUhHamdDd0VMUzE3VzVVYUxBSGY4bW1oWTBDenJBbzZCMlU2bWxBNkthZnI4eFhodmNtNm1hVkRtN1VqckduUjBDRm9ib0NqY0J2dUhnZWcxR3FpSWpRWkxkTWFWcVFjTFdQd2hLNUdha0U3RHNXR0x3OXNJU0tn?oc=5) · PR Newswire
- 2026-08-02 [Sunwest Bank: Former MidWestOne And Bank Of Denver Branches Acquired - Pulse 2.0](https://news.google.com/rss/articles/CBMikAFBVV95cUxNb3dlY0tfU1l3SURNOWc3QkxLZnZNZGZQQ0pIUDJ1TkUzQ1BDTTJuQml0VkRJclRHc2hQdk1uVHVMVlh3MC0zdmxEckFMVWl6MUlFRHhVWGhuRXZhZ0NnRlZzRnk2bm5qWjJpV0xabjg5clVHNlZlZjZ0NTdNOThmemZLYkFwM3pVbGJQZ2xVOU3SAZYBQVVfeXFMUEQyUU5ZemJFc0lDY0djdXVNcHE1QTBnYk9HbWY0WGJ1VHg1TkdBWWt0TmhTWE0tQ0p0VktfSy11UDJiUG1lRWxTZVp4RGlPMVNSaEtLRGdncnlmZ1dmZEg3SDhiLTE4RlY4eW9oT0VFMklVNDlSNUVGbUxCQzBtLVFDdldOWjJuLTZ4d0E4QnZCTlJwbmd3?oc=5) · Pulse 2.0
- 2026-06-16 [35 years later, questions remain in Father’s Day massacre that gripped Colorado - KDVR](https://news.google.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?oc=5) · KDVR
- 2026-04-22 [Sunwest Bank Expands in Colorado - Orange County Business Journal](https://news.google.com/rss/articles/CBMib0FVX3lxTFB1UVRpd1lUVEdEdHdlV1djZi1pZWJzMFBJVFB6UjNwWmEtMXlzMXB3UEdZNGtIYzB2X2FKM1c4Y25tNjdQa2p3Uy1MbVJYamV6R1lvaWpTRzluWVBWdmhLWWJSS1VobTF4S1Zsb0I0bw?oc=5) · Orange County Business Journal
- 2026-02-06 [Colorado banks name a dozen new market leaders as competition heats up - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQMzJZd195cWFPdWlxaF96cXQ4QV9XSENQMXdCekpMREYzVk1jRUhJZ2ZlVnprbTduYl9GeHNXS3ZyajZ2cVNBNXp0NUFycWRFaWtmRnpCSURXZXJvYVZfZko3R2swWkFTSXAyMEtXWnduVzFCNUNzOGRIUjk0WlI4TmJqaW9Kc1hEX01Db1c0V0VZcjlPMTFTcw?oc=5) · The Business Journals
- 2026-04-21 [Sunwest Bank Has Entered into a Definitive Agreement to Acquire the Former MidWestOne and Bank of Denver Branches from Nicolet National Bank - PR Newswire](https://news.google.com/rss/articles/CBMiogJBVV95cUxPOW1KOHhoYnhVcjBDb2o0TndJOXBQR25Ed1NvclZXamd0NUtRd2kyY20yOE5zT3VtaXk2dFJfd3BBN09QVW1ELTFxTTNacUQ3b180Z1Mxelp2RTN4Vy1POXUtakJ5WjFGeGROYmlJSUl4SkhkVUt0Q0dzM3FXZUtmV2F2VEtuZUFRQ2R2NS1CZmxIeERNa1ZTM0ctSm1rVlFvVTJUZUJCaWdZd0JxdFc4U2lNUlFUR01rR2QzLTdTRUZqa1B4QThxaFRlMUhuNzRDd2w5d25JMDNFeDh5Zkx2eVg1bnBRLUNza2l6dHZMQ2ZqcVVkU29KVGdMcTRmZl9tRFZDVno3RW5lOG0yRVRKdWttbmQxYVNZNnQ0cl9KQlplUQ?oc=5) · PR Newswire
- 2026-06-10 [The coldest case: Mystery remains 35 years after the Father’s Day bank massacre - Westword](https://news.google.com/rss/articles/CBMilAFBVV95cUxOQmh4QlFSRTd3UGhkZGJaamxXSkZkRHUwZnJrUUFZbFdacVdjRzcxU0hQOFFLLTZya2U3a3J2RG9pU2g5VUEwYTJENzRrbDcyaUc5eFdrZjBiUEtwcmpHLU9RMVMweWJjWW1TZHJ4Yi1fQ1gzQ09HdFRRMDNzZExTVnNRcnA4a3N3blJyaDhScE02VWdE?oc=5) · Westword
- 2022-03-22 ['A Bank For All People': Remembering The Women's Bank - Denver Public Library](https://news.google.com/rss/articles/CBMijgFBVV95cUxOQnRESXFFczdwQnN3N2NDUDlKNTFrR0tmNnF0cm9pTWNwNXZuZDhnZlVfLTVZOHR1X1JiY0NXMjBsNDFncVdjZ01Gd3N5UFo5Rlp2M2c2MjgzUUU2V0NpOGFUNUlxMUUyZFZPRjdYTnlXNDdoa3NNZlFGWWc5ZExjMHVRQXM5Mkt6cXhlRmp3?oc=5) · Denver Public Library

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17244 (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/28.json (key "17244", 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