# COMMUNITY BANKS OF COLORADO
GREENWOOD VILLAG, CO · FDIC certificate 21132 · asset band $1-10B · latest filing 2011-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $1.28B | |
| Deposits | $1.24B | |
| Loans and leases | $978.3M | |
| Total equity | $22.2M | |
| Loans / deposits | 75.19% (p43 of band) | 78.45% |
| Liquid assets / assets | 16.62% (p13 of band) | |
| Uninsured deposits / deposits | 2.44% (p6 of band) | 17.60% |
| Brokered deposits | 1.48% | |
| Wholesale funding | 2.65% (p18 of band) | |
| FHLB advances / assets | 1.17% | |
| Tier 1 leverage | 1.64% (p2 of band) | 9.43% |
| Unrealized securities loss / equity | 0.24% (p17 of band) | 4.11% |
| AOCI / equity | -1.82% (p3 of band) | |
| ROA (annualized) | -3.10% (p1 of band) | 0.76% |
| Net interest margin | 2.70% (p12 of band) | 3.68% |
| Efficiency ratio | 165.78% (p100 of band) | |
| Noncurrent loans | 12.89% (p95 of band) | 2.39% |
| Net charge-offs (annualized) | 3.23% (p97 of band) | |
| Reserve coverage of noncurrent | 36.74% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 1010.16% (p100 of band) | |
| Auto loans | $1.9M (0.19% of loans; DQ 2.16%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p40 of band) | |
| Deposits YoY | – | |
| Employees | 277 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  |  |
| 2011-09 | 10 | capital falling |  |

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

- 2026-01-15 [Community Banks of Colorado to rebrand after acquisition - The Denver Post](https://news.google.com/rss/articles/CBMif0FVX3lxTE5ac2ZnM18zWGlNUVA0ZEp2eDg0bU4wN3lSZTRfVnNhWF9qbUVsVDAtT2hSdUU5ZDVIaTNYOGNzZW5xNmtTSzBCQWxPTTl5V3lXNnFjbzgydzc0dVBrMkJibVBBNUlQYlFya29uRF9zNjJQMnFiMC1pUVZVd1V5ek0?oc=5) · The Denver Post
- 2026-07-07 [Colorado officers use drone to help capture bank robbery suspect - CBS News](https://news.google.com/rss/articles/CBMilgFBVV95cUxNbXJ2X0JRTXF3c1pORFdzYWwtX0Q3S0VxT01TMWV0bHd0Z0xnOFFpSWNrY3hKM2RuQ1JSMVEyenJiN29mVm43VUdsbnROYmJQbXp4Q0NwREN6b0t4VldCcS1sZF9SYzNsMHNZalBtQm5zOFptaUM5NjA0Ymhta18tOGE3UzhnU2kwcFNGX29xR1pCQlE0Umc?oc=5) · CBS News
- 2026-07-21 [National Bank Holdings (NYSE:NBHC) Misses Q2 CY2026 Sales Expectations - StockStory](https://news.google.com/rss/articles/CBMiwgFBVV95cUxObzRZcFhvMEYyLXpEQWJROXNLb1RacmtGa0FndVhqZ3NzZk1yRE1ZbGo3TF9DeEVDTGpxcUxIblh2Rks2OXFYWVJ5X2xEU2RVaTNMX0xlMTRpNHEycXRWYVd4dlhGQ0dhajNVbTZSU1VNdFd4R2Q3SEhxaGpsY1luLVFQNFh6ZUkwaVdIZV9QbHdnNjBxdjI4Y29EQmRHM1EzN2l3Q3p1U2F5b1UwT3JUNzJqSnUzLW12SFdIQnlScTJVQQ?oc=5) · StockStory
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-07 [NBH completes $369M Vista Bancshares acquisition, readies for name change - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxNX3Y0SGdHRVVSamVfNG1ONmFLQjZGZVlwd0ZLcS1sTVdLMFY1TjJfVkE5ZWxlbTJwN0JSUlE3U2VIR1pRUHQ5cWM3SkUwZEx6bFl5TUJzZVpyTXFjUFZPSGpFRnVNOXJzcTlyQ3plSXpIWnV1UXo1empjR2VPTEJraTVmNlVWcHp0VUo3amdybU43NnZ4NjhTcg?oc=5) · The Business Journals
- 2026-04-21 [National Bank Holdings (NYSE:NBHC) Misses Q1 CY2026 Sales Expectations - StockStory](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQbWhPZkIxWGt4RlNYck9NOVBuOTBGT1hJOUY2d0ZBTWJoY0NoaVdWT05FNUE2aFlSdEdYcGROc3puRG1aeVoxb2YxYTFhMzd1UlYtaXNBU2R0WTVZMGpxell6Si1TU2ltRFV2RGswR3p2UGFtMXNYN1VmVW4yXzJpMkJlRmM3bUx0MXdreHdCS2JIVVNvbkFJdzlCcDkyR3dscGV1Z2VaVDNfdzFaOHAxcU5Rakt3bmx4bGlVeDRwb0xBZw?oc=5) · StockStory
- 2026-08-05 [National Bank Holdings Corporation Announces Quarterly Dividend - manilatimes.net](https://news.google.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?oc=5) · manilatimes.net
- 2018-02-14 [Peoples Bank is now Community Banks of Colorado - The Leadville Herald](https://news.google.com/rss/articles/CBMizwFBVV95cUxQd3U4eUhZZVF4MGpHTzdSQ01MTG5lb2VNVW9sU0Mxd3AxUUx6SWNfSmdsd1RibFliUFBkQlFBMUdic2ZIUEVWaS1aZ192YkVOS0lra0QtaGFpZktrNG1PRWQ0SHBxVkVZakl0VEtPbjExX0g1MWxkdVlRN1U4cFFxeVFUNVMxeTVIaGNmcXZoX0YwMENOU01BMTVtaHJXZkQwcngxNE5Pd2hkdXRyamUtUzVINmJEanBnV0RyeDBxSVdBNjl4eFdNZGg5cWh5WEU?oc=5) · The Leadville Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21132 (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/12.json (key "21132", 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