# COLLEGIATE PEAKS BANK
BUENA VISTA, CO · FDIC certificate 26916 · asset band $300M-1B · latest filing 2017-12 · 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 | $533.0M | |
| Deposits | $464.1M | |
| Loans and leases | $345.7M | |
| Total equity | $58.2M | |
| Loans / deposits | 73.58% (p29 of band) | 85.15% |
| Liquid assets / assets | 31.99% (p71 of band) | |
| Uninsured deposits / deposits | 38.64% (p88 of band) | 21.69% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.87% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.82% (p41 of band) | 10.22% |
| Unrealized securities loss / equity | -0.90% (p41 of band) | -0.60% |
| AOCI / equity | -0.19% (p21 of band) | |
| ROA (annualized) | 1.29% (p77 of band) | 0.90% |
| Net interest margin | 4.44% (p89 of band) | 3.66% |
| Efficiency ratio | 52.53% (p12 of band) | |
| Noncurrent loans | 0.20% (p24 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 619.65% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 99.32% (p90 of band) | |
| Auto loans | $306,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 81 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 1 | capital falling |  |
| 2013-03 | 2 | construction >100% equity |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | construction >100% equity |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | wholesale funding >15% |  |
| 2014-06 | 3 | construction >100% equity |  |
| 2014-09 | 1 |  | capital falling, wholesale funding >15% |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | assets shrinking |  |
| 2015-09 | 1 |  | assets shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 0 |  | construction >100% equity |
| 2017-12 | 1 | capital falling |  |

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

- 2026-06-03 [Collegiate Peaks Bank names Peter Geronazzo regional president in Colorado Springs - ColoradoBiz](https://news.google.com/rss/articles/CBMinwFBVV95cUxPQlo5UU9DQUFOZ0wwNk9scmRMUHBWaGU4MGJpUWloTm9lbzhGbnNrS3JvbE9JSUJFdkFORWh1b2R0LUZMWVREbGFNWUtXSnVoQjVRdEQzdHlfRjFpbTBaWnFYZDk2aU5BU3l4SHc0SVdOLTRwekpUcEJ4V1JCRERfT3lJQURNZlc0QmVNSFE3MERadGg5VFk5N0xGa1FMT28?oc=5) · ColoradoBiz
- 2026-09-02 [Collegiate Peaks Bank Opens Loan Processing Office in Boulder - Mile High CRE](https://news.google.com/rss/articles/CBMijwFBVV95cUxQQzc1UGlBc1JzN3pCLXRQVmdNMG82RmllV0RlbnB6QWZNem5DNnV6NUl1RlpPTGJQR0d5cXgwMHVGMzYxa1VsWERnc0o1R1hKZWJ3Z2FQYmFPYWtfdGlIWWFLYUozSXprVDR2LUhHOWlHM1dFOTA0ZmVob25BOFZCZnpFX0VfeGRKUEpQZWczbw?oc=5) · Mile High CRE
- 2026-06-10 [Collegiate Peaks Bank donates $2,170 to The Alliance - The Mountain Mail](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOV1VDQkpUamxWLWRHYV9HRGZ2MUQ0VXM5YmsxSFpDRmNxc3lQMXVxMUtkV3pRMEo1a09oWUdZS25FYnRrVTlrRjRKaUdiWGgxVndzbzZfc0RRMm1hV1FVRG1MdGdWN08zdTlMNFEwdE5QTTgwMjRJQkdOMTV4WnM1NWlNenpLSzNWTTJnQnFEX0tWSXRVRVoyYWltS2dQZmlxT1B6ZjAzbEUxajluLXJ5czBFTFlOU2lLRWhSUjdXTVFSSlBFS2N1dTkyQ3gydm5FOEE?oc=5) · The Mountain Mail
- 2026-04-13 [Collegiate Peaks Bank Opens Full-Service Fort Collins Branch - Mile High CRE](https://news.google.com/rss/articles/CBMijgFBVV95cUxOTDRYdUtWeHJKM1lQMkl6UzZwSHNvdS1rQld2SWxEZTctMllsZHNGRE1XM0NrUmZmcUc1eUkxUW1CSDV0SmRyMkNtUHoyRTltTldYVm10NkZoLVBMbWkxNlBNZjVnLXVRa1p4OWhlQkx6Q1F4Q0NZTm1JQVRic3BGR1NhQnpqa1BtaTU1clBn?oc=5) · Mile High CRE
- 2023-06-08 [Collegiate Peaks Bank opens Fort Collins office - The Coloradoan](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNTFFGRHI0MGlJTWZNamU2N2VJdDduNE5XSERhNDZGOUM4RmJFSkNkbjY1R2puNTM3U2VLcEN1UkdKWjhfT0pqaUNlT2gxNWZCM0piOHJxQU5RdFVHcTZDSEUyMl9ITGxaeVZSTHhQMkw5ZFhhbzJFMm5lS2c3T2dVT1B3NTQ4bDhWUzVfbFZmc1hSeWVhNkJPajlZQ2I1U0pqT1RYdnZleVh4RTZMMHlOeEluMi1JZGZaSlhN?oc=5) · The Coloradoan
- 2019-07-02 [Troudt celebrates 30 years at Collegiate Peaks Bank - The Chaffee County Times](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOTzdkTFo5ZGJLQk5YQ3VPMmhJQ2YzZ3NtLWJQRDYtQ3FjVktHYUstZnY2SFpkcG5GdkFDSFQycktuVHBON2ljaGtoQnBpZVpWcnBOM090SXRjamY4ZmtEUHpaT18wZkFGa3ZLckFzTHY0WjF3UEhxWXp0YXItdzhMal9ZU29UbVpyNUVRVHlLU3hBOFAtb3l3QmhSSHhKOGlHVTYzMTRjcGI0eTZ2UDBBZjVJNEdwTXJSXy1IejJNZFlNTm8tZGpid3VnOXVwSHJDbGpkckNaTzNid2RUZmdB?oc=5) · The Chaffee County Times
- 2026-04-13 [Collegiate Peaks Bank plants flag in Fort Collins - bizwest.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQVjZJdnlqd1hPNzBtdEV3TEdVVUR4YmVNTlFTODFpY1VlWmFWdzE5ZTZaZzE2Y1ZnelJfVHBhTlAxVFByZVlDM0hLQnZ5eDJLN2JkUFM1SGJiQ2xnLUJ2U3J4RWlLblZPeHRhZ0w3SXZKdm4xR01oZG95QXRNOHBsd0ZZcGpmZDFl?oc=5) · bizwest.com
- 2022-04-29 [Fast-growing Encore Bank enters Colorado market - Talk Business & Politics](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPT2VBdjdxZjF0X0gxMGIzWTJYR0cyY3M5QUxiVy1GazBsVVlEYzk5WU41YURObWQwUld4X1EwSFBhd0hOOUNiZVdteUo4R0ZwWThfeFJ5X1g3MnRwUEhhZjF1Z28tTFFRVDB3anhnMUNVYUNGWWxHb3lqNlRIaUVkd1pCZW5nWExl?oc=5) · Talk Business & Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26916 (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/36.json (key "26916", 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