# CASTLE ROCK BANK
CASTLE ROCK, CO · FDIC certificate 90582 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $145.0M | |
| Deposits | $127.7M | |
| Loans and leases | $75.7M | |
| Total equity | $16.3M | |
| Loans / deposits | 58.18% (p23 of band) | 76.19% |
| Liquid assets / assets | 41.72% (p71 of band) | |
| Uninsured deposits / deposits | 16.08% (p54 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.85% (p48 of band) | 11.02% |
| Unrealized securities loss / equity | 1.75% (p84 of band) | 0.02% |
| AOCI / equity | 5.11% (p95 of band) | |
| ROA (annualized) | 1.68% (p88 of band) | 0.90% |
| Net interest margin | 3.36% (p31 of band) | 3.71% |
| Efficiency ratio | 51.61% (p9 of band) | |
| Noncurrent loans | 1.92% (p81 of band) | 0.62% |
| Net charge-offs (annualized) | -0.01% (p16 of band) | |
| Reserve coverage of noncurrent | 101.03% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 80.10% (p91 of band) | |
| Auto loans | $79,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 0 |  | reserve under noncurrent, construction >100% equity |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | reserve under noncurrent | capital falling |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | capital falling, reserve under noncurrent |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |

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

- 2025-12-19 [Man guilty of robbery at Colorado bank sentenced to prison, has "extensive criminal record" courts say - CBS News](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUVlmT3VRYXJjQVIzamVVd0ZJRmV1YXp3Wi03eGtKSFFoTkVtNmpsX1RxY0JjSUhQeXRVWGdaeGw0OGlQa05oZXhQajZiS05ZZXFoZ0ZNeTdmX3V2b3JCT0FoSGJhV3lZdEhVOHFLYmFHdVdTdWphM3N1YmhqU1FJU0RpMEVMQ2UyV0ExV21jNNIBlAFBVV95cUxOMkpfREJuWVAydlhGTVQ2ZFVjVjlCVjZMOXFzVGRCa0RMbmIwODk0TWdySzBKMjA1X0VhdnM3eXdCMTNOTTNWcTgtWllCV3R2MDA5elZ5VmNOWGktX3NkeEw4a0lYenkxcFhfb2JZT1NxRTM1bU5yZVZhZmNXSDRfVVJ3dTFLczZnQkJuaGJrOHJhb1ZF?oc=5) · CBS News
- 2025-12-19 [Castle Rock bank robber sentenced to 22 years, was previously deported - Denver Gazette](https://news.google.com/rss/articles/CBMisAFBVV95cUxPZ2NhTEZoMnJISmNHTW53RnNrNTNIZ2VKNTc2LUpTaW1aQ1hvVldmeWxSWXhJS19nUVUtQkJkOWlnVWFfOGhqbEEtOHRER3p4RGJaeE11ZENZN2RNSXhaNUlHM2dJWEx0T0hiZlo5VVhlUFFGM0UwSFdCWExBUzNONl84cF9iVFBMd2ZLSEpReko0bnNLMjBXRWpDWE0yTUtkZzVIdlNUMzdoZWx1N3hLZw?oc=5) · Denver Gazette
- 2016-07-28 [Castle Rock Bank celebrates 100 years - hometownsource.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQMHNQVjdoYVBudmdnTGlkdEotbE5oeHpPUmhRaHJHeEljUUs4aFllQnQzUEZQRDR6NjRMeHE5MTA1a0MtNHpraTNLVHJzcnB5cU5mTG5EZFdjOUpmSW1INFJZVHJIUlI0R25ENGJBdXpJVzFaSzByLWhwdUxZbERScFIwYnM5b1EzejNXRjl5V2ljVUVSUTVqRHFCX1NzazRFUnJuWElxM2RxcmE2TVQwNUdGNUZGSlFyWGhtNHlOaFBDTl9iZ3pPcXNDckxUeDVtVWkybW5maUdBUGwyMkE?oc=5) · hometownsource.com
- 2021-03-03 [Police, FBI looking for suspects accused of robbing Castle Rock bank - 9News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNbHVPdWFBMllKWU9od25QOFlDVHNjLTNaN3c0cTJaOEROVWxzQVlKS2Ntdy1tMng0M2E1VmF6a1NWY1AtZHVyTXJUM2YzS0I2ak01dE5rd0pKZ195UXNIZEEzQk8xWmVISzJxMDBfSW1qakJoNHBnRWszeXVMMjI3VE0xTXRCUFFXUkJkdmFmbFhxeUlNQ0VacEk5N0xFdWFWQjJIbnVreXg?oc=5) · 9News
- 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
- 2017-07-20 [One Colorado bank to buy another in $22.5 million deal - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTmZNM01vWi1qNWgwY2ZTU0tKeUFkOXNYV190dEFZY05aRlAzUjdfbGZRb0tQSG82V2pWNUdMWjdPWTJlenFva0lWYUxtblpKMUhtdnFaaXdJY3lSeHV0dk5xV3ExdldVZmFCcW5lY3U0WmoxeV9jR2hmblctck9kZEtkUEpwdUlkdzhFb1pfaU1nZHZKRXNMTWo5THNsd1BUSGVnb2h6RQ?oc=5) · The Business Journals
- 2020-06-18 [Pillar of the community dies: Dan Nicolai was owner, operator of Castle Rock Bank for 60 years - hometownsource.com](https://news.google.com/rss/articles/CBMipAJBVV95cUxNQVdwTTN0Vl9xellzTlhZRlJ0VG5FbnM3eURLUS04d1U4Tzd1SVRVV2UzLUhna05hVmphUUFUa2tNSXVqXzFmcnRTNGIzdEtzbTFUVzY4c0VDeE9vM1IwR0NXTmQ4QzVhM0tORTZSaGhjN1gxTnVpWDRmWWN2b2dTbjVyTjlRV0tDOThIRzJydE5TZW05Rnl6YzRvNWZtZWMwZGdZYTB4S3loM1hKYVFraFpHSlNCblNWZFlxajVaWXJwQllEc19PRlkyNUdsU2hTR21mY2RDTVZUSVliVFFBV3V5b2JXdmUxSld4TkNtODk3WHdGamNpZTlhZUFsWUVWU1k5ZDRWM0Jfcm95dDZJRW83X2FOZlRuNXlrM1RKZnp2Z1Zj?oc=5) · hometownsource.com
- 2024-05-18 [James Patrick Russo - The Denver Post](https://news.google.com/rss/articles/CBMibkFVX3lxTE5wdkdrYXduZ1V2MlZiZzJmUk1vV1BsSXFHSk92SHh0SlNKaVNjZV8waENiSzJfNTFNdVRCNWp3MG84MkRybHpwN2IxWGtGQU9pOXplNlVJMVJwbVZVNGNabHZzVXFaYjhGMV9CdWpn?oc=5) · The Denver Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90582 (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/22.json (key "90582", 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