# FLATIRONS BANK
BOULDER, CO · FDIC certificate 57280 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $370.3M | |
| Deposits | $336.1M | |
| Loans and leases | $278.7M | |
| Total equity | $28.8M | |
| Loans / deposits | 81.97% (p50 of band) | 82.04% |
| Liquid assets / assets | 22.18% (p40 of band) | |
| Uninsured deposits / deposits | 17.38% (p20 of band) | 25.97% |
| Brokered deposits | 21.01% | |
| Wholesale funding | 21.01% (p94 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.88% (p11 of band) | 10.81% |
| Unrealized securities loss / equity | -14.74% (p32 of band) | -8.10% |
| AOCI / equity | -0.85% (p28 of band) | |
| ROA (annualized) | 1.51% (p65 of band) | 1.28% |
| Net interest margin | 4.01% (p55 of band) | 3.91% |
| Efficiency ratio | 68.59% (p70 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 91% | |
| Construction % of loans | 45.37% (p52 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $879,000 (3% of equity) (p93 of band) | |
| Deposits YoY | -6.3% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 0 |  | construction >100% equity |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 | uninsured deposits leaving | capital falling |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | capital falling | uninsured deposits leaving |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 1 | wholesale funding >15% |  |
| 2018-06 | 0 |  | wholesale funding >15% |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2020-09 | 1 | capital falling | brokered >10%, wholesale funding >15% |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 4 | wholesale funding >15%, capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 4 | charge-offs p90 |  |
| 2023-03 | 2 | uninsured deposits leaving | wholesale funding >15%, AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 1 |  | uninsured deposits leaving |
| 2023-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 0 |  | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |
| 2024-03 | 1 | wholesale funding >15% |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 0 |  | wholesale funding >15%, capital falling |
| 2024-12 | 2 | brokered >10%, wholesale funding >15% |  |
| 2025-03 | 3 | uninsured deposits leaving |  |
| 2025-06 | 1 | charge-offs p90 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |
| 2025-09 | 3 | brokered >10%, wholesale funding >15% |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 1 |  | charge-offs p90, wholesale funding >15% |
| 2026-06 | 3 | wholesale funding >15%, deposits shrinking |  |

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

- 2025-12-08 [Joel Coursey, Hired at Flatirons Bank - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxPVDQzREk0VDJHeTd1a0dXWVlPUjAtcWRrOVpUNUdNMnVVMC15MVIyMGZfV2sxXzBHX2xiaEpuVlREZkxlNGlkaXE3V2Mxb0otZ2c5Qlk0NF84dFhvODhyV0VtWEtGREtsTUxUd0tkTF9ndmtTYXNaQ3NMSzhPOGRLQ2NMaE96a3JRZE1CaQ?oc=5) · The Business Journals
- 2025-09-25 [Flatirons Bank sues competitor over ‘aggressive’ turf war - Banking Dive](https://news.google.com/rss/articles/CBMinAFBVV95cUxOaGxJU1ktVFpuWmN3eUlPb3ZVYmZRVlFCWElLN29IWVA1N1B0YUVTdGM0MHJXb1FzNzFCYVktVU9ELTNDeklqclBLT2tZanFTd0RHaXBjS212MUZsMjVvd2ZPN3JHRmNCQVU4cURDTFdaZjVvMV9kc2RfSmNEUFo0RzlSekI3MGtObGlScU5kSFczVno0Vmk2MXJWZUs?oc=5) · Banking Dive
- 2026-02-27 [Banking execs bank on relationships - bizwest.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE5pZWNNNU1OMUxzTkhGbTE2NFFHTVd1bDRqbG5hN1k1elAtR1ZJMEtEMkVwMXJINURtR1F4bHhIcC1CcU5jWmhjZDRQSVZzcmhuYjV5VVdUeUJpX1loNm5Rd1VpclNfc3VCdlhJWGFIQ2NZTTd0QUE?oc=5) · bizwest.com
- 2025-12-22 [Glenrock Wants Judge To Dismiss Town, Mayor From $350M Lawsuit Over Bank Secrets - Cowboy State Daily](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQckhBLXN4ZVp1aUZXdUxmaWpSamVQVnA2cEZtRko2QmRTU09KekpvLVlHMm1WaHB1QlpZZkxVbFVhWlZzS3FrRG5NQnhNbDAzQ2hSNFZlRVQ4cXVVMTRFTllnaFRtRlh4T2NxUllBTmtzR3AxS3dGdDdtMjNUN1pQSU1xRVA0cllKNnBZcklZUk1TU3RObExibmFXS0YwN1NWTWM4QTdGUGNRMjdBLTFKdnJDaFd6SzFIOVRV?oc=5) · Cowboy State Daily
- 2011-06-26 [FDIC Sanctions Flatirons Bank Ex-Chairman Yost - CBS News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNN2FMS3NERkh2Y1YzQ0lLVUhYUHdyQ1pVOW5pRlVfTXJCeG90RWtUaGdrUzlYMHUzaEFneEwzYk0zSnhubzloLVJ0XzJ5eXoxN19zUkxaVWRuZzhGRmYtMVlSR0Z5cTEwMmVidWhLQnhaM1UxaG50NGxhS2JJdU91Vkt4bWZibUZzZ0R5YXhB?oc=5) · CBS News
- 2025-10-27 [$350M Lawsuit Over Banking Trade Secrets Names Town Of Glenrock And Mayor - Cowboy State Daily](https://news.google.com/rss/articles/CBMimAFBVV95cUxOVHJ2MnJUT2FfbzZnVEM5dkR3cHg4QWhDUENEc2pBLTFMSzRHMGlQTTdIY3pRaERDbmx1N0ZvVm44bm45cnM1ZnAzdDdoUWwwY2pfb21lNVU0cFQ3ZS1GMk1qajZCWU9BNGpOaVl4U25EV3F6Q2dpMW81RGdJYnJSWWxGQmR4bkJjZTVWY0ducVNlUzdwLThPYg?oc=5) · Cowboy State Daily
- 2011-03-22 [Ex-employee sues Boulder’s Flatirons Bank after chairman convicted of fraud - Daily Camera](https://news.google.com/rss/articles/CBMiUkFVX3lxTE9vajhOcWd5Rkx5bkV6eF9KNjVieUN0SmZNNXFabXJRYm0zd2JRUmVjRXVJTXpNWjdGUHNIQ2JTV3hWSTRsd3VsNUREMUxKa0szZEE?oc=5) · Daily Camera
- 2025-10-29 [Glenrock vows to fight $320 million lawsuit - WyomingNews.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOeFJWdzllUHR5LUVvNjV5LWZQcnJ5N0pmb1kyLVRMeHBFWFQxUUZaVzZscGxvbzk0ZVR5dnZkMjZtVXFzQ3F3V0FnRVRlNmtZM3RzbWEtLTdSc1hyX0RjSDhtaVRWeUV0cjBwbW94bVhrRzF4cnF1a3djLXNvVUI3ZjJ2M1dmYVNmY2JTWDR2SmxmblhxVHNXQVhlRDlVRXR1RWZIZEVqdHBmYVIwQkN3RlN5M3pMX0diZ2Jya0pTUDRDRFdiUGdIOVhFdWJjSU1laUE?oc=5) · WyomingNews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57280 (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/0.json (key "57280", 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