# CITYWIDE BANKS
AURORA, CO · FDIC certificate 19858 · asset band $1-10B · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.38B | |
| Deposits | $1.20B | |
| Loans and leases | $1.02B | |
| Total equity | $146.1M | |
| Loans / deposits | 83.61% (p36 of band) | 89.72% |
| Liquid assets / assets | 22.80% (p56 of band) | |
| Uninsured deposits / deposits | 44.65% (p86 of band) | 25.51% |
| Brokered deposits | 1.67% | |
| Wholesale funding | 3.87% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.71% (p68 of band) | 9.96% |
| Unrealized securities loss / equity | 0.13% (p56 of band) | 0.00% |
| AOCI / equity | 0.35% (p39 of band) | |
| ROA (annualized) | 0.92% (p42 of band) | 0.99% |
| Net interest margin | 4.14% (p87 of band) | 3.49% |
| Efficiency ratio | 67.26% (p66 of band) | |
| Noncurrent loans | 0.07% (p7 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 1930.28% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 115.72% (p96 of band) | |
| Auto loans | $115,000 (0.01% of loans; DQ 1.74%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 197 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## 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 | capital falling | reserve under noncurrent |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | construction >100% equity | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 0 |  | construction >100% equity, capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | construction >100% equity |  |
| 2015-09 | 0 |  | construction >100% equity |
| 2015-12 | 2 | capital falling, construction >100% equity |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |

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

- 2025-02-28 [Acquisition results in fifth-largest bank in Colorado - ColoradoBiz](https://news.google.com/rss/articles/CBMihAFBVV95cUxOb2R4SlVqdElIQ09DUWJKY3RteWtrNG9jSGtpejZFVktOZHczV3RDUi1qOUNoV3ZJQlVmajJXU2FpMFQtZ2lLUk9TUVRNTllWU3FWdVI0NU0yTVcyMG80V1U2WUt6eFpwRXRHS25VU0pkUzJ5ZEJieU5RSklwb2MyUDRVa1g?oc=5) · ColoradoBiz
- 2025-02-03 [Banking giant UMB doubles retail business with $2B deal, targets Colorado growth - 9News](https://news.google.com/rss/articles/CBMipwFBVV95cUxQU0l3eTg5ajh5WmFwbEg3dUZndjkzYzU1WGxKR3FZRnVndEROOVhnY21Yc2hEZ2FBekhibklEV1N5S0o4c0huanhZc3ZTc0kxWFdsRm9UX3MzMnhsRjR2LU1DSUhsU3VoU2VHV1hTRHpuSF81YmlYbzlYN3M3QllHU3B0MWwtRG5VSTJCOXdRWjZSSFF0cFNrNmV4VHJiMENzT1FiX1VNSQ?oc=5) · 9News
- 2021-03-31 [CITYWIDE BANKS ANNOUNCES MAJOR EXPANSION TO ITS COMMERCIAL BANKING TEAM - Yahoo Finance](https://news.google.com/rss/articles/CBMijwFBVV95cUxOeVh0N3o5TFlLcnI4NnVjdXhpSEp2V0NocG9rd29Hd09hOC1xZ0dzV0VpU2l1NkdnZ0QtVkNMN0RVWmdhX3VOQzdGUzN0NmNZN1N4NXlnSjF3TnJjRWhUZVkxY1pMQ1FzRnlSQktHVDhWRUVyUUNudEszMlJQc0FHQmtkbkpVZ09seFFQeXdYcw?oc=5) · Yahoo Finance
- 2019-01-16 [Nebraska bank holding company to acquire Citywide Banks branch - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPYUpFYWExQ1hadUpNc3lXQlJCRVJtTjg2SHFqSFBlQmtIc2tNZ1M3TWRROEJ0c3doT3VGSFlZdklpYTlBREc1SkVoelQ5ZDdsQ2xyN0JXNklXYzRXQjNtcW9qRVNyc1ZRTGJVNE1odzY2cTE1ZGY2MFRwc2dkTXFHRkpBVzdwUkRLUjlvb0ZWSFRKcmZpOEpQazRkbWUwOGV2Y05JUg?oc=5) · The Business Journals
- 2024-05-10 [Citywide Banks and Parent Company See Personnel Changes - ColoradoBiz](https://news.google.com/rss/articles/CBMihwFBVV95cUxQaHFSQS1oeVN4ZE9NdFl6ODJTYkYzWFZFLWZVNmctcWtrcWI0djQ5SUFpLW1BOHg0M3hqaUlIR1U0UGFnZlZ2R0RWNTNkT1NQQ2tUWlE3Tl9fWWk5Y1NHYzhyWi0wVnJ2UEJQanJxR0FxdjFSV284Y2NtQWpGdk1pTzFFeHlOY0U?oc=5) · ColoradoBiz
- 2017-12-13 [Citywide Banks, backed by new owner, looks to next era - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOV3FXUTFvblJGUlRYUm5ydTRsdFBrRDlOdDNOdk5iT0FWQS1FZW0ySVRZbmVwOEkzQ0VOaHZqMmxVcHJ5Y0g1ZWRjMGFVRENTNmFoaGZlaUJCTG1FU2cyMldEX05MMlM1WjlIR2xwOE1tUnlyZXRicWRrbXg2NTJPclNXWlZPQS16cHpzNHRVSzh4bjhTYjhpRnNLTkF6RWUwYk5xQ0E5aw?oc=5) · The Business Journals
- 2024-04-01 [Merger completed between Citywide Bank and Centennial Bank and Trust - ColoradoBiz](https://news.google.com/rss/articles/CBMimAFBVV95cUxQNmZJbzdXTHZaMG1sVU1XdEVrV0FVOC1VamJNMk12NG8tc2JTUUl1M01CbUg2d0pub0prRXVweWN0MnZoQ1RObnZFTlVVSFRtTEROZzMzYzdZOWxqV3F5MmhoeTBYdE5PUTRVcFBnazNPY0k0NkwxTlVRczdnRFVPVXM2RzFXQnZEMHkxYTZmVnZCMzBscmoySA?oc=5) · ColoradoBiz
- 2016-08-24 [Citywide exec talks of challenges facing regional banks - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPSjZNdUJXQ1hJTFAxMklNajV5NFhHQ1hiRm5nd0dQT3hUNGFGckVXYllURVA4cURqYlNZUWRXcTVVQTBWcmdoWVFibWFfa0FKVTdDZS0wNjNRUFpHLW9PUzRRYTlNeS16QVdhWF9sSEdaMk50RjFzVUJQQkZOcVplQklfRWNoa00zSWxNNVBkc0xHV2dfQ2VpV0RFOGVGbFpoQS1V?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19858 (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/18.json (key "19858", 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