# REDSTONE BANK
CENTENNIAL, CO · FDIC certificate 58826 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $298.2M | |
| Deposits | $262.7M | |
| Loans and leases | $173.7M | |
| Total equity | $34.6M | |
| Loans / deposits | 65.07% (p37 of band) | 73.59% |
| Liquid assets / assets | 35.88% (p57 of band) | |
| Uninsured deposits / deposits | 36.68% (p90 of band) | 19.81% |
| Brokered deposits | 10.45% | |
| Wholesale funding | 10.45% (p85 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.98% (p52 of band) | 11.76% |
| Unrealized securities loss / equity | -7.33% (p48 of band) | -6.57% |
| AOCI / equity | 0.64% (p95 of band) | |
| ROA (annualized) | 0.53% (p18 of band) | 1.17% |
| Net interest margin | 3.47% (p28 of band) | 3.93% |
| Efficiency ratio | 75.56% (p71 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 44.34% (p76 of band) | |
| Auto loans | $63,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 15.7% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 2 | construction >100% equity |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 | NIM <2.5% | construction >100% equity, charge-offs p90 |
| 2019-03 | 0 |  | NIM <2.5% |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | deposits shrinking |  |
| 2020-03 | 1 | capital falling | deposits shrinking |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, construction >100% equity |  |
| 2022-09 | 2 | capital falling | construction >100% equity |
| 2022-12 | 0 |  | AOCI drag >20% of equity, capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | wholesale funding >15% |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | wholesale funding >15% |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | assets shrinking |  |
| 2025-03 | 2 | uninsured deposits leaving |  |
| 2025-06 | 0 |  | assets shrinking, uninsured deposits leaving |
| 2025-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2025-12 | 2 | brokered >10% | uninsured deposits leaving |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

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

- 2025-02-04 [The Fiscal Impact of Credit Unions Purchasing Bank Assets - commonsenseinstituteus.org](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbzZ6aHBNZklIRUJXUXN5ZHlmNnlWUkNrZjlQaGJOOTVrVjg5XzBUV3pvcWlxTzFGb3F5bW81YWt6MHp4aGp0ZkVxZms2QVo3T180bW5BdE9kclByQkRYTFJ2ZlluU0pxdHZMbkc5clQ2VE5IcnpVV2FaN041dnlyWk9mbm9iUTZ2dFh2MU9IVGhhMGhnVVVjTlNWMUV2ejdjSkxoNG1KWHVobUhFZm9XN0p3dWt4czFNU3dFZE0xcGdGVEho?oc=5) · commonsenseinstituteus.org
- 2026-01-28 [Family Banking Built on Community - City Lifestyle](https://news.google.com/rss/articles/CBMid0FVX3lxTFBRa0pnWkU4c0duSEZRN2FNOHFHLURJbHY3SUFtME5weVEtaWNQLTNjMVFUTVctV2UxN2dJVVEzLUZpX2puQUxSX3ZvTTBrcWZOTDQ2Yi15dGcwUFR6YndWOFc1NWw3S3d6X0w5SEk3Q3lQMTRqTWU0?oc=5) · City Lifestyle
- 2018-07-20 [Nebraska institution to acquire Centennial bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNMFF3bjU1bFUzZGFmM1lwLVkxcXpCU3BCVXBmNGY2Mi0zaUJhVkJRQXRGTThsVldwR3dzVHdTQkdxOU9FdC1nYjZKWVVIY1dsRkYyRkFFQnhtZUZMMzNrckdiMWtsUTRReG9ZaXRCVnkySVlvMXpiY25qLW1tVGpYUFBQbHlkMlZsMC1CcFY0VU1uYjB3cGtfNXVCMFhyR0RKeEw4d2hn?oc=5) · The Business Journals
- 2022-03-10 [Midwest Bank’s new headquarters helps company adapt to growth - The Norfolk Daily News](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPcWdIYjR5NzRLek1GRjR0X2FxN19sekd2TXZmU0xQaThGVEVjN193c3h6RXBKM2EzbkVNR3dlN0otR1NVMkFoblZDZDM0dHBWXzFuOHhIWFNTMU1LR3BSNEl1cTkzUTFYWDB5c2h6M0pqeE10eXgtOFRJU1Z4SVhVYW1icF9aYnprUEZSZG9va2hEY2NfOGhKVzJzTEFzMTgtZUYzWU5wR180clUyZXpQV2hKOGtQcTAtSGRmTjZMZUZCdGhEMHVTNUhuSlg2amtUWFEwa2FwWDJWM3ZMWFJrZkVQQ2IwUm8?oc=5) · The Norfolk Daily News
- 2026-07-13 [Apex JV Secures $218M for Brooklyn Affordable Project - Multifamily Housing News](https://news.google.com/rss/articles/CBMijwFBVV95cUxNbE1FN3lUNWdfQ3RsLXJVZ1MyeDU3Ynp4M0ZfSHlyMW44bFNMaXBIR0dBeUYtSEprNlVObDMtdkRWQVFXX3Jydks5ZXF2dVhlSjh6TFpSenRueWI3QTY0WDNjdXBUM3Y2UXlvcGNoVWJWQXRmT1FFeDJhbXlDWFN3bXh5ejR0N1BfSkdvSUFCVQ?oc=5) · Multifamily Housing News
- 2023-06-02 [Comerica Bank appoints first-ever Colorado market president - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNNDFOQVlBMEpzcnhUNzdRM0xhTkVxZkFrS1RwWEpyX1l2NTN1dHpYY2tvb2dDbExHaGpEWHBEc0xyNVpTOWhONV8zS3k1Nl9HaF9vTVFsVWt4MmV3YlpueUVZWGVMa0toRGN6SC05bFo2allpeWNub19wejJmdjdjNkVaYUZjTy03REc5YWlnT1ZhNXpWSHd2V1RWcUdVeWVveVNr?oc=5) · The Business Journals
- 2011-04-29 [Pete Vinton Obituary (2011) - Denver, CO - Denver Post - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPUnhhc3FnUTNaM0RhUE1xRUVlY2xyTlpNb2hVeXEwQUhzME9VbVY4R29GcHNYVzV6eVlfVWhMTW1GY3NZVDRiTFpQRjJRUmc4cHlZemVPLUREdGJZak93VjhtT19oNXJ6dlc1NkxkNF9EdHFtRVBObzdzTEFYZzhOd2Nqd1JIeUlIUFRFdFBn?oc=5) · legacy.com
- 2023-05-23 [New board leaders of Colorado's banking group look ahead on regulation, industry narrative - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPQ2FRandGZUItVDJzc2ZtYjN0UlZnbngyb1lxMElQNFlpQzlGMU5uV19kcVZ1anVpVTg1TmNkcmZpTHdxTDNhSlhzT1VHNHY4b3NTTTdBZFp3NWpuVGpMaExzdHR3Q2pPOTdRSDh4TVJLRXlYaUgtY3JtOGI2dmNPdnlzQXMwb1VicUlJdVc1M3A4V3cxNndrX1BzZDJDcnVBTGc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58826 (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/10.json (key "58826", 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