# COLORADO CAPITAL BANK
CASTLE ROCK, CO · FDIC certificate 34522 · asset band $300M-1B · latest filing 2011-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $665.8M | |
| Deposits | $635.2M | |
| Loans and leases | $543.5M | |
| Total equity | $5.8M | |
| Loans / deposits | 80.67% (p56 of band) | 78.35% |
| Liquid assets / assets | 18.83% (p22 of band) | |
| Uninsured deposits / deposits | 3.06% (p8 of band) | 11.83% |
| Brokered deposits | 4.08% | |
| Wholesale funding | 7.69% (p51 of band) | |
| FHLB advances / assets | 2.25% | |
| Tier 1 leverage | 0.75% (p1 of band) | 9.34% |
| Unrealized securities loss / equity | 24.12% (p94 of band) | 2.85% |
| AOCI / equity | 1.33% (p52 of band) | |
| ROA (annualized) | -4.11% (p1 of band) | 0.66% |
| Net interest margin | 2.07% (p2 of band) | 3.72% |
| Efficiency ratio | 151.18% (p99 of band) | |
| Noncurrent loans | 42.15% (p100 of band) | 2.17% |
| Net charge-offs (annualized) | 7.63% (p100 of band) | |
| Reserve coverage of noncurrent | 13.59% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 4554.51% (p100 of band) | |
| Auto loans | $578,000 (0.11% of loans; DQ 1.04%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 63 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 10 | leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2011-07-09 [Colorado Capital Bank, Signature Bank Fail - CBS News](https://news.google.com/rss/articles/CBMihwFBVV95cUxQZUJudmxUUzFOT0FuT1p4MHhNSmYyQ1d2cDBRd3hkTFNGY29WV2daOTB0RElMN2VBTkFDVVBuTFMyRFNMZ0VETUh1SHZTVzFRNkNyZVJTZ3BBN04tUU1SUXpRM1FucTZVQUNweDlwbVVMZENQMzlFbjFoalpwdm1SOEtFMlhIcVk?oc=5) · CBS News
- 2008-04-13 [People on the move - The Denver Post](https://news.google.com/rss/articles/CBMibkFVX3lxTE1wb1p1bTZDNm1CRzUwQWVzcnNicXZhbC0xd0t1RV95aU01THNCREw5RnF3MTBEckFTMzQ1SXhzRXJLVk5zMU1MVFN6RVBENlRiNmM1RnMtQXI1ZXcwMDZqUkxmYUhtTjhXWTFibUJn?oc=5) · The Denver Post
- 2023-03-27 [First Citizens BancShares, buyer of troubled rivals - Reuters](https://news.google.com/rss/articles/CBMiogFBVV95cUxNTURSOEVTZmFzaG90c3VnLXpud0F6b2s4aHpncEc3a3lMdnhVZDZvc1VmWVFaeW1GNGN3MkdjeGUwZFd2WENFTTNaeVFOUk9QQTJSdEJ3TGFVcjliYWVxMG9SdWh4YnVQTGpmdkd2dXpBb3J0Vjh6QnhmdFl0MVBEdGV5Ul9IWlljdnpBdWtsdUxfQnRINTFmT1FlU19uRGdER3c?oc=5) · Reuters
- 2013-08-16 [Basalt bank ponders eviction of tenants - AspenTimes.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE1qRTlYeFk2R1BXTVNlQXVGTkhXaEtqVWQtaHd4ckJFX3l5a0ZGYTMzaER2M3JDTkU0VkI3U190OVl0MWxjQmVjZ0diSWQ3R3RIYkFSS3QtLTRJTXB0QzMyN056UkR4SDJlbDFFX1pzY2dwcWxiX1NkRGdUSFA?oc=5) · AspenTimes.com
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2023-03-29 [First Citizens: How a rural, family-owned bank ended up buying a Silicon Valley tech lender - EL PAÍS English](https://news.google.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?oc=5) · EL PAÍS English
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34522 (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/26.json (key "34522", 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