# NORTHSTAR BANK OF COLORADO
DENVER, CO · FDIC certificate 23058 · asset band $300M-1B · latest filing 2016-09 · 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 | $604.9M | |
| Deposits | $502.8M | |
| Loans and leases | $412.3M | |
| Total equity | $96.9M | |
| Loans / deposits | 80.89% (p42 of band) | 84.10% |
| Liquid assets / assets | 17.85% (p30 of band) | |
| Uninsured deposits / deposits | 25.90% (p68 of band) | 20.48% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.85% (p63 of band) | 10.18% |
| Unrealized securities loss / equity | 0.65% (p26 of band) | 2.01% |
| AOCI / equity | 0.66% (p42 of band) | |
| ROA (annualized) | 0.97% (p52 of band) | 0.94% |
| Net interest margin | 4.68% (p94 of band) | 3.61% |
| Efficiency ratio | 65.68% (p41 of band) | |
| Noncurrent loans | 1.42% (p79 of band) | 0.65% |
| Net charge-offs (annualized) | -0.02% (p14 of band) | |
| Reserve coverage of noncurrent | 96.16% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 66.47% (p74 of band) | |
| Auto loans | $192,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 123 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 3 | capital falling, NIM <2.5% |  |
| 2011-12 | 4 | leverage <7% |  |
| 2012-03 | 2 | uninsured deposits leaving | capital falling, NIM <2.5%, leverage <7% |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 4 | losing money, expense ratio p90, noncurrent p90 |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 1 |  | losing money, expense ratio p90, noncurrent p90 |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 4 | deposits shrinking, assets shrinking |  |
| 2014-12 | 3 |  | noncurrent p90 |
| 2015-03 | 3 |  |  |
| 2015-06 | 1 |  | deposits shrinking, assets shrinking |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 1 | 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
- 2021-09-27 [Academy Bank Hires Two New Commercial Lending Bankers to Serve Colorado Springs Market - PRWeb](https://news.google.com/rss/articles/CBMizAFBVV95cUxPTEVVLTZhYUhvYWVMMXU5ZGRzVFd0LTFsMVo1cmNvREJiQUpTWUh2eW10aXNJY2UtTFVsMlhlVjNWQ0RYaTdlVEt5bkhSbFBBSGZVTGZDcjVOMmJ1WXo3SnZGTnVQd0F4MUxmNUIzdWFIc1ZLYnQ1VWE0SGEyYTNKV3FlSjZLbnkxendCRkIzcWpmdnpjQXlHWHlPemVsSkhiLXU1bHZ6djUzVlhjV3pZbEZ6VkpfMjFILWZTVkZJWEw0bGd2MnRFVm9CSU4?oc=5) · PRWeb
- 2014-03-07 [Benevolent Fund Set For Loveland Police Officer Garret Osilka - Fort Collins Country Radio](https://news.google.com/rss/articles/CBMikgFBVV95cUxPLUQ2bDkxdkJGR3hmZmx4NmJoc0ZkQVdaZjA3N244RmU1Z1c1QnFjb2FyQnJBcWp4OXdodmxhYkFnM2R2UEdiNlJGc0hXMDR1cVp6TVVVbkZHV3RobFljUmFHbVYzR1FhSFBTbldrSTBreWJMSEstaU1vc3dqYUd4LUNFLUJsNUU1bUhKNEw5ZUVHQQ?oc=5) · Fort Collins Country Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23058 (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 "23058", 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