# COBIZ BANK
DENVER, CO · FDIC certificate 22683 · asset band $1-10B · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (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 | $4.43B | |
| Deposits | $3.31B | |
| Loans and leases | $2.91B | |
| Total equity | $989.6M | |
| Loans / deposits | 87.90% (p41 of band) | 90.82% |
| Liquid assets / assets | 16.41% (p35 of band) | |
| Uninsured deposits / deposits | 62.07% (p97 of band) | 26.64% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.72% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.25% (p6 of band) | 10.20% |
| Unrealized securities loss / equity | 0.06% (p95 of band) | -1.95% |
| AOCI / equity | 0.05% (p93 of band) | |
| ROA (annualized) | 0.40% (p4 of band) | 1.20% |
| Net interest margin | 1.20% (p2 of band) | 3.66% |
| Efficiency ratio | 46.53% (p11 of band) | |
| Noncurrent loans | 0.47% (p50 of band) | 0.47% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 23.51% (p26 of band) | |
| Auto loans | $188,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $9.5M (1% of equity) (p80 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 379 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | uninsured deposits >50% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | wholesale funding >15% |  |
| 2014-09 | 3 | capital falling, run vulnerability | wholesale funding >15% |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 4 | charge-offs p90 |  |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | wholesale funding >15% |  |
| 2017-06 | 4 | capital falling |  |
| 2017-09 | 3 | brokered >10% | wholesale funding >15%, capital falling |
| 2017-12 | 2 |  | brokered >10% |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 4 | NIM <2.5%, reserve under noncurrent |  |

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

- 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
- 2018-06-18 [Oklahoma bank group makes a move for CoBiz Financial - The Denver Post](https://news.google.com/rss/articles/CBMidkFVX3lxTE02dTBUUmd1ZGtYU0VOTHBNR3JEZHNCWEtZdzB4U013RXF5SVJPaUNMWHJBSUxhVE14TVZWcGlsUkJoX25ZTDZuanpBRk42Z1Jrc0x4WmhjbjNVMGJpc3RCSi11d0NtenFoLW82NUFnNHFBdVh5SGc?oc=5) · The Denver Post
- 2019-10-01 [Exclusive: Former CoBiz Bank CEO tapped to lead Colorado-based bank - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNT0NRd1JKWTZqTnlhY240cTFLdE9fTUpSWk1Bc2ZYRnBrRUNYS1lGaGViUVk3RWpyaFZDWVRSSnBLQTZna2JqenJLbDZjWExPcDU0ekJabjdnYUZlQUNHZjBOWVV4RjNacjZEeVB4b1ltQUJ6cHdNeE4wc1Q3MGVvV1RNVkdFUHl4aUk2aXFMb251MEdZSnlnY2ZUN25pQQ?oc=5) · The Business Journals
- 2023-08-30 [Sierra Bancorp and Bank of the Sierra Name Natalia Coen Executive Vice President, Chief Risk Officer - Business Wire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQemVHblVnaVBzeWRHSjJ1SHFRZjFvWW5nNkU4S2sxT1lpMFNUbnViRHZwVUtfN3lwUGtTQUtLWDhTNXR4MWdJenQzZW1IckhGcW9zeXhybF91YXBpZEo2VTh6YlF1WWJPSUZ6TDJGb1RTcVdzQVo3LUZMMXJYVTE0amU0ZDN1dVhkbGdvTU9heHNBNDJBUVkzaU5RZG9OU2g3TEZVaUtkZk5rRUpucVlzakpZVmNGMzlacm0tdlV0OEZBZUJVcE9TaTlPS1JrNjlpbmRRZW1BX0I4WENSRXZrVS1BeWt1bVpFRHp4WQ?oc=5) · Business Wire
- 2024-07-13 [Sierra Bancorp welcomes Natalia Coen as VP and CRO - World Business Outlook](https://news.google.com/rss/articles/CBMijAFBVV95cUxQcEU5VVEtT2pzbDRmR1RsSTlzYmxDM0R1anZzQkJNdEx3QmdRWXhMdmd3QkExN1VybkZWRGsyS3lBN3l1aHR2b3YzTm80a2dCaHVxRUJCLTNMYTJBRHN1bTRFXzZabFlpRGJTSzFyYVB0Vm9ycnJ2b1FCbFRwZ0VVc3F6T1JiZWV5bUZxcQ?oc=5) · World Business Outlook
- 2019-11-12 [Colorado has seen 127 bank branches close in 5 years. Here's what that means for business. - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxPaXVnWlZFMXBnX21qYVZzdUtBUEIwUjRydTJfblAyV1d1OURqdzl1NHhNYUVETWpRVVdKeFIzbGYwOW1ud2ZnbTBkQ1ZaNXBkc3FlWjhDaFVZSXBWak15dExlc1JmaVRyMF9qZmtGU21NMnE5THVndklTLWhnUkxKa0dUdXV2ZF9YRUlGQVY0SW1yR3FYd3gycw?oc=5) · The Business Journals
- 2010-11-17 [Bank files for foreclosure on One Steamboat Place - Steamboat Pilot](https://news.google.com/rss/articles/CBMioAFBVV95cUxQM0pJWHNaODZxZnJBOURCU1piTllENk1hencyREZxWXVTZXAwTnBJNXpGdjAyMWtvbzFhb09reGF4R1hFT2ZXRVNQR3dNQkU1UGd4eEVkNjRqaUNkNVh4X1FIS0VmN3VmQUpEOVhXT3E4eEF2aEhyT2ZyaTlZU3BBc1hTVENnUEJqaVZ1TDBxRVFzTVZLOUtiY2ZWX2tBM1lL?oc=5) · Steamboat Pilot
- 2025-10-12 [Breakfast with the Pros workshop geared for local food startups - North Forty News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOeXVEYzVpazlTWkxENkU2QTdVTS1TdEZCUjJuaVMzZHVVbEM2VUNNZDNiVU02UXI3M2ZvWkFRZFFvbEQzd0t2RFhXX1pNbFo5Tm1IZjRXT1ByanpZcXdmZ3kzR00xOTA5XzYxMy1FWmNNTjRXNEJMeEtOUkwtRTA2ekRWZzFMSzE0Sm5udm9NQm1MUDk0MmFfSVlwWUtUeVBIeHJoaEEtQ2c?oc=5) · North Forty News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22683 (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/27.json (key "22683", 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