# MILE HIGH BANKS
LONGMONT, CO · FDIC certificate 3036 · asset band $300M-1B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $762.7M | |
| Deposits | $645.8M | |
| Loans and leases | $482.0M | |
| Total equity | $107.7M | |
| Loans / deposits | 74.49% (p44 of band) | 77.22% |
| Liquid assets / assets | 24.53% (p37 of band) | |
| Uninsured deposits / deposits | 8.67% (p15 of band) | 17.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p5 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.70% (p43 of band) | 9.97% |
| Unrealized securities loss / equity | 0.00% (p63 of band) | -0.65% |
| AOCI / equity | 0.00% (p94 of band) | |
| ROA (annualized) | 0.89% (p55 of band) | 0.83% |
| Net interest margin | 4.51% (p92 of band) | 3.56% |
| Efficiency ratio | 67.46% (p44 of band) | |
| Noncurrent loans | 10.98% (p99 of band) | 1.31% |
| Net charge-offs (annualized) | 0.14% (p60 of band) | |
| Reserve coverage of noncurrent | 1.91% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 66.53% (p80 of band) | |
| Auto loans | $11,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -17.4% | |
| Employees | 113 | |

## Flags firing in the latest filing

- **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 | 3 | leverage <7%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | leverage <5%, losing money |  |
| 2011-09 | 9 | capital falling, noncurrent p90, charge-offs p90 |  |
| 2011-12 | 8 |  | noncurrent p90 |
| 2012-03 | 11 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2012-06 | 11 |  |  |
| 2012-09 | 11 |  |  |
| 2012-12 | 7 | NIM <2.5% | leverage <7%, construction >100% equity, leverage <5%, losing money |
| 2013-03 | 4 |  | charge-offs p90, uninsured deposits leaving, NIM <2.5% |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |

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

- 2012-01-30 [Longmont-based Mile High Banks receives stern directive from FDIC - Longmont Times-Call](https://news.google.com/rss/articles/CBMiT0FVX3lxTE9fcVhMTTlqVGFocFVwRUF2WmlmcDBOd01TczY4QkpDRE9HLXBQWGp0SEJCamhhN01heVpIeU5tSTU2ZXhDVk83RG15ek84cWM?oc=5) · Longmont Times-Call
- 2025-06-13 [Best and Worst States for Banking - moneyrates.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPQk0tVElpZW5OekhTZnIyZHlDZFZNbmRLR3dpQmstVkNacnU0MXA5MGhwWlFzSnl0YUFNOXBHOG5ySVp4RnROeVRnX1d0V0FTSTdGNG9EWnI1VXYySG9ZeVdIMXU0MVdIdjZjVHc2ZnNMazUzSVg0WE1TRUlzYUlqb250MU5lUmc?oc=5) · moneyrates.com
- 2011-09-30 [Recession Hits Colorado Banks Late; 5 Fail This Year - CBS News](https://news.google.com/rss/articles/CBMilAFBVV95cUxPd3lkSGdjdmc4bTZHbXZjYnVEZDF3MFJqYWFqMnR2ZGJyN3hJdXZoeWdTZnNvNU9vNUNzNTdjRlh0UE9IT2NUMVJENVNqX0lRS2lHN19yUlNOUHhxMWd4Y1R2U3hPeDVndktFYXBxWEcwTk5lZm1ld04xNy1KNjRyMlFpZ3lMU3pPbFNTXzVILTZVTkNz?oc=5) · CBS News
- 2022-09-14 [History of Cup Series racing at unique race tracks - nascar.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPdXlwRGQtSUs4NnNza2RkTXBGR1pWbldLOVVLNzN4QWhTTm4ySkg3aDY4a3RGWUVrd0hjSHpOS3pkbVUwdFFVS0h3dV9UM1BnVzRHM2k3OHNONFpVYk9jYTV5dzBxc2dJdy1fNFZxY3I4bGoxTEF1cDF2WFBFYVFZSUliM1pneGo3N2c?oc=5) · nascar.com
- 2023-10-01 [Blaney wins Talladega thriller and lands himself in Round of 8 - RACER - Racing News](https://news.google.com/rss/articles/CBMilgFBVV95cUxOYUNKaDQ3eGFFRm92RTFhcmNVZHlmRnpNeHBXdW1JUk14VFBMWkpQeC1ydzZ1b1VyR3VJT1BlUzFjaXZibUpWb2ZUNGhwSGlqYnJuaHd6LUt3UlVRVTVxajBKOU9zeWt0QWI5OFdacGdBQTczU1RQdXk5d3VDRkhNLU91TWlxSWdId0g1cGxqZFhqNVBiUkE?oc=5) · RACER - Racing News
- 2014-04-29 [Glendale Swears In Two New Councilmembers - Glendale Cherry Creek Chronicle](https://news.google.com/rss/articles/CBMiigFBVV95cUxPR2hXRjluc2xVdlY5OGZXcjdjU2NocF9XRW5ubG96YnZVdzZyM1dIRDczVC1kRGxNV1VSc3VNV0pqMGVTQ1hMQkY1cUJBWFZlUWFyRHpxOFlseWNsamJ6R0N0T1RLbDU0TndSZXdYV2x0M1p3THEyLUp3Q0FONEo2TFZmTmg3QU00dkE?oc=5) · Glendale Cherry Creek Chronicle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3036 (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/28.json (key "3036", 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