# BANK OF ESTES PARK
ESTES PARK, CO · FDIC certificate 19351 · asset band <$300M · latest filing 2026-06 · live

**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 | $171.9M | |
| Deposits | $155.4M | |
| Loans and leases | $96.8M | |
| Total equity | $15.4M | |
| Loans / deposits | 61.23% (p32 of band) | 73.59% |
| Liquid assets / assets | 40.61% (p64 of band) | |
| Uninsured deposits / deposits | 23.74% (p64 of band) | 19.81% |
| Brokered deposits | 5.82% | |
| Wholesale funding | 5.82% (p75 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.84% (p37 of band) | 11.76% |
| Unrealized securities loss / equity | -12.07% (p35 of band) | -6.57% |
| AOCI / equity | -2.42% (p9 of band) | |
| ROA (annualized) | 0.75% (p28 of band) | 1.17% |
| Net interest margin | 4.37% (p71 of band) | 3.93% |
| Efficiency ratio | 67.89% (p56 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.72% (p98 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 99% | |
| Construction % of loans | 53.02% (p81 of band) | |
| Auto loans | $29,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.1% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 0 |  | uninsured deposits leaving, capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | deposits shrinking |  |
| 2018-12 | 0 |  | deposits shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | uninsured deposits leaving |  |
| 2020-09 | 1 | capital falling | uninsured deposits leaving |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 5 | securities losses >30% of equity, construction >100% equity, deposits shrinking, assets shrinking |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 6 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 7 | securities losses >30% of equity |  |
| 2023-09 | 7 |  |  |
| 2023-12 | 4 | charge-offs p90 | construction >100% equity, assets shrinking, uninsured deposits leaving, securities losses >30% of equity |
| 2024-03 | 2 |  | deposits shrinking, charge-offs p90 |
| 2024-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2024-09 | 1 | charge-offs p90 |  |
| 2024-12 | 1 | capital falling | charge-offs p90 |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | losing money, charge-offs p90 |  |
| 2026-06 | 1 |  | losing money |

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

- 2026-04-04 [Colorado Senate Confirms Applegate Appointment To State Banking Board - Estes Park News](https://news.google.com/rss/articles/CBMingFBVV95cUxPZFMxal9BX3d1SHdXSnZYdWNYVEhteFZZVU1jaUpoQkJIWDJsMkpyVmFPbUkxRDBzaWgtVjdYZnFZbXR6U0dEQ1QyTklQS2UzWnl0anhTTXFyTjNKc1BwVjdRaUNFMG9UcFNPdkczVXlfaWdlV2RnRjZKamJ3bGE3Q2k0UmhYdWtac281elRfb21Ya1NMREdpc1A2QkQzdw?oc=5) · Estes Park News
- 2025-09-16 [Bank of Estes Park hands out Golden Antler Awards - Estes Park Trail-Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxOM3h2MG9LZUFoM2JqSWJ1cGZ0VzlSWnZGb1o3ODE1a1pSY1g4WmNDRXNXUWVwSWRYNnRtcURIbGVjV2NTRXVpcUhFRjh3M3ZpbmFjMTZ4b2VpT3JfMUZIcDdYcGhlWDRjU0RhTjVHRDNmRml0VHlZUDIxMmZhQzVkLWZaU0U3SU1SNDNuYlVR?oc=5) · Estes Park Trail-Gazette
- 2026-01-01 [Steven Patrick Obituary - Denver, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPRlpFbnlFaWdxUjhVenZpTnBybl9URjJfcEg5X0ZrVzRXUWwzeUxlUGZyUVNsUU9QYnA3Y0lvZkhMZmI1eE94WUtsblZzZzJlVWtKTjZ3RWNNNmZEN3RZX0s0MF9mNWQ0UVFCYXQ1cjR1UFRmNHV0d2RHcUZYdXpVQUx3?oc=5) · Dignity Memorial
- 2026-07-16 [GHAVFD Pancake Breakfast Saturday, July 18th - Estes Park News](https://news.google.com/rss/articles/CBMijwFBVV95cUxPai1KQUdtb3ZGdjVDOWE1bWpSd1FCVTBHNnBhT2RlZjhqYkdWYzQyVVZkdFNTUkxXVmV3LVdVUzlzY3hkVHkwRWJMS0N0Y2dkWTd5Y01BeGU0S0diNHFPa19xZ1VlQUhZWUo5dTlpZFBMbDU0QUZMcTVSS1MxMkJ1Q3FtSk9YN1R4Wlc5bV92SQ?oc=5) · Estes Park News
- 2023-12-05 [Inside Business: Senior Lending Executive Joins Bank of Estes Park Team - Estes Park Trail-Gazette](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQR3Q3RlVCeVBtcjM2VXFPSE5RNVBWaWN4Rl9tT24tZjB5VVNnRUtQd3VsdkViX21yd3FPb1dwT2c3bGFsSjNFdlV3TEg2QzVYS0x2a09ENzJJSTdsMVdqcktQOXZsTDdVTi1tTUU5cWdQNjljVjdSOUp0TjBBWDJxdmpjT0FBMlRIMWNmZm1mbkZ3TkU5cmQtLWxxeU45T0JEVk9sNngtOXoxdw?oc=5) · Estes Park Trail-Gazette
- 2025-07-24 [Bank Of Estes Park Receives Award From The Colorado Supreme Court - Estes Park News](https://news.google.com/rss/articles/CBMingFBVV95cUxQZC1faEtYLVd5NnVtWVFfZk5WZzNLdXZSX21MZVV1dERtbnRmOVYzZG5EWm9CX21lVjNwMVgtbERmVjRzTVFMZWxxRzhXQ3dLenM2aldVcDlaeE9jU0g5Z084azZMWEZZbTVFdmpQWmItaEVHaDF5NUs2aXp4MnYzazdMVUhiMDM4LWJjWHdlSVEzVTFURzBpbWNXSDlOQQ?oc=5) · Estes Park News
- 2024-09-24 [President of Bank of Estes Park elected to ICBC Board - Estes Park Trail-Gazette](https://news.google.com/rss/articles/CBMikwFBVV95cUxPdUpHX3dhQUNwX2tjaExSWW5HS09mQnZaMElfQlg2TTEta3NXR2lrdmg4WjQ5UmNaYU1mQUxiMWp2S1BOMmpuSmV0R1RuVThMd1NFbjNnWXo5azlHaUozNXMzVExLWldISmNBMDJ0Nzk3QUJYVUtFQ0QwY0xjWXMzYmFKd3BKdVRXQUxPbFBhaER3enc?oc=5) · Estes Park Trail-Gazette
- 2024-11-27 [Marla Attwood Obituary - Longmont, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNd3VPamJObTE5U2xyOW1IRkZrZ0JmM1RuS3I5TVdpb0hMTGkzSXF6ckV6WjM1OHY1a0oxNExiNHZXcXQyLVJuZzliM3dObUR5T2JvNVVhcU0zUTVNTl9wUmxyckV2MjFRT1R5RXRSRWN3VlZwZEoxVDlqMGNCbVJBZGJabw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19351 (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/23.json (key "19351", 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