# COLORADO COMMUNITY BANK
HIGHLANDS RANCH, CO · FDIC certificate 24247 · asset band $300M-1B · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $488.0M | |
| Deposits | $404.1M | |
| Loans and leases | $272.6M | |
| Total equity | $79.9M | |
| Loans / deposits | 67.26% (p30 of band) | 76.35% |
| Liquid assets / assets | 27.15% (p44 of band) | |
| Uninsured deposits / deposits | 14.70% (p40 of band) | 16.95% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.04% (p54 of band) | 9.87% |
| Unrealized securities loss / equity | -0.25% (p50 of band) | -0.27% |
| AOCI / equity | -0.16% (p89 of band) | |
| ROA (annualized) | 0.02% (p6 of band) | 0.82% |
| Net interest margin | 4.30% (p88 of band) | 3.54% |
| Efficiency ratio | 89.27% (p90 of band) | |
| Noncurrent loans | 9.93% (p98 of band) | 1.37% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 3.15% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 59.28% (p76 of band) | |
| Auto loans | $433,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -10.8% | |
| Employees | 115 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 3 | noncurrent p90 |  |
| 2012-06 | 4 | uninsured deposits leaving |  |
| 2012-09 | 7 | losing money, charge-offs p90, deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2012-12 | 5 | NIM <2.5% | construction >100% equity, losing money, assets shrinking |
| 2013-03 | 3 |  | charge-offs p90, NIM <2.5% |
| 2013-06 | 6 | capital falling, expense ratio p90, assets shrinking |  |

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

- 2023-03-31 [News | Vectra Bank Office Tower Anchors Denver Tech Center Appeal - costar.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQNW80bW1IS25YdDNmdUJXUGNlRmhDT3E3bXY1c2RBcDU2aHpIRDRrdl9CT1lyczJMLVBYbEJ1WklrZXZwQ01pdFRMZnJpMmdSdUxfR005NmZBcC0wY3l1NDVsbnJwLWRwcTExZmZYWFV3amZVQ0xxNHNIVThXUGp5VWZxU3NwaU5fTk1RejFfNVJtMGowbTZFa0dfQ2p0VEhnYmc?oc=5) · costar.com
- 2012-01-03 [Colorado Community holds annual Open House - Akron News-Reporter](https://news.google.com/rss/articles/CBMilAFBVV95cUxQenFnd2dZa1h3S3lLeE5FU3lpWms4V0pXcjV0T1ZId0x0bjRaY0JKblhEMlNhTXZKRnpQQkNGVUhlR3pxQV9GdVhRYnBDMERnTTZ3ZU5ZUDJKamd2NzFBS1d3OXlnRHljTVg5cVFvVHJlTEJFQ3g5MW1lR2t4U2MyaGhBQ0J3ajhRSzJWSmhKSW5UNnFm?oc=5) · Akron News-Reporter
- 2004-11-24 [Business report - Greeley Tribune](https://news.google.com/rss/articles/CBMibEFVX3lxTFBUcVlfUTRucThjWXNzWU9pY29VRTdCRWp3ZlpxazU5Rm90YWFEMHNpX3g1NXQ2RzktNHA3U3gyS0dPcjYybkxGcTdSd0h6VDFpaDlTcHJHUDlqOEZWTmVhNndHQ2tCd2FuRGtJRQ?oc=5) · Greeley Tribune
- 2017-10-19 [Obituary – Robert P. Starck - Berthoud Weekly Surveyor](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1DWmV1UlRJQ1BGczlWSjBQSHNoV3hEOUthekZadmpKRHdraWRJclpMWkVIbUtmTjMyU1hUalg0UmpaVnRjR2NyQXFrRGxlSklzQ19MWXFvRkZGQkR6SWQ4bzdkejM?oc=5) · Berthoud Weekly Surveyor
- 2010-07-12 [Six indicted in Colorado on bank fraud charges - The Denver Post](https://news.google.com/rss/articles/CBMijgFBVV95cUxQODg2TXp3ODdWOENtQTRGRndlaDRVandmbWlNSXlvVnpMaTNUZmVpSWpleFZPNHduT3RKQzA5UjhwWWk5X29WeGRYcGV5M2RIaHotNUNkYWg5Ulk3aWN2UHNocWtURWVNMU1wTERERy0ydnNucE9CX2NETWM1VEJlb1FvRlFBNmw0RUw5c1lR?oc=5) · The Denver Post
- 2013-11-08 [Grand County Real Estate Transactions, Oct. 27- Nov. 2 - SkyHiNews.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQNWoxcG1qSlkzTWhKaEJWdktld2NsS2hHdFRHdEhJV1djRnU4YzduNDJKX05mdjBxTllfamZyMEU3TmNjWVhoYVdfTm1mam5KUHRZakJ0amVyTzVVUG53SG1oRDB5X3JRc29XVHpZQ1pDVHo3QTI3dXFSYXZucFhsMmhaUE1XV19IMVE?oc=5) · SkyHiNews.com
- 2020-01-16 [Heather Elizabeth Berghuis 1982-2020 - yumapioneer.com](https://news.google.com/rss/articles/CBMic0FVX3lxTFBEVlpOaVpKeUV4aGNNUEZTRTNHazl3NWttRHdnY3JlY2VvUzFKdUpiSjZKRUdtVlF2TjZ2X3oyZGpwTnNEM29fcFNyVkRBeHdiejhDRlZ2V2NUeGlBdUpXc0lpQXh6TTRvcHBGNWlnWlFtT00?oc=5) · yumapioneer.com
- 2016-03-08 [Kenny Kruise Obituary (1968 - 2016) - Greeley, CO - Loveland Reporter-Herald - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOdTJ2ZkJ4VDJVTkVldlE1a2pOdGtNS1J5amZhM3k3UXhQQkJjVG9TQU9BTWlpRXlzVi1sMUV1eXl0UGpJeExOZUNKMm5WaG1pY0lrYW5mazJBd1hXNG5HcDROS3lNVGxhU2JoS1ZEUWs1ZFZkYWs1QXlUdTBTSHlQUzdndGF6NXJMeHhlanlOVVRETXhq?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24247 (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/55.json (key "24247", 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