Flatirons Bank
Boulder, CO · Cert 57280 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · FBHC Holding Co.
State charter, Fed member · FED · 2 branches
Q2 2026
$370.3MAssets
$278.7MLoans
$336.1MDeposits
$28.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: equity / assets trails 89% of banks under $1B in assets operating in a single state (rank 661 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.16%
Rank 317 of 746
Net Interest Margin
3.77%
Rank 340 of 746
Efficiency Ratio
68.59%
Rank 443 of 746
Equity / Assets
7.77%
Rank 661 of 746
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 41% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.72% | 1.06% | 1.45% | Beats 58% | 317 / 746 | n/a | |
| Return on Equity | 14.93% | 6.74% | 10.51% | 13.63% | Beats 83% | 130 / 746 | n/a | |
| Net Interest Margin | 3.77% | 3.17% | 3.68% | 4.16% | Beats 54% | 340 / 746 | n/a | |
| Efficiency Ratio | 68.59% | 55.74% | 64.58% | 75.47% | Beats 41% | 443 / 746 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 12.87% | 11.55% | 13.75% | 17.60% | Beats 40% | 448 / 746 | n/a | |
| Total Risk-Based Capital Ratio | 14.12% | 11.71% | 14.33% | 18.43% | Beats 47% | 392 / 746 | n/a | |
| Equity / Assets | 7.77% | 8.90% | 10.51% | 13.06% | Beats 11% | 661 / 746 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 82.92% | 61.31% | 78.27% | 90.78% | 60th pctl | 299 / 746 | n/a | |
| Loans / Assets | 75.26% | 53.60% | 66.97% | 76.08% | 72nd pctl | 209 / 746 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |