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Flatirons Bank
Boulder, CO · FDIC Certificate #57280 · Chartered 12/2
Total assets
$370.31M
Total deposits
$336.13M
Total equity
$28.78M
Net loans
$275.53M
Branches (offices)
2
Net income (YTD)
$2.74M
Rank: #2,173 of 4,213 U.S. banks by assets · #29 of 63 in Colorado. Assets changed -4.3% and deposits -6.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.51% |
| Return on equity | 19.43% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 7.77% |
| Tier 1 leverage ratio | 8.88% |
| Uninsured deposits (share of deposits) | 17.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 82.0% |
| Real estate loans (share of loans) | 91.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $252.50M | 91.6% | |
| Commercial & industrial | $24.09M | 8.7% | |
| Consumer / individual | $619.00K | 0.2% | |
| Construction & development | $13.06M | 4.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $323.59M | $245.17M | $2.13M | $18.94M |
| Jun 2023 | $311.16M | $258.93M | $905.00K | $20.29M |
| Jun 2024 | $344.93M | $294.03M | $1.02M | $21.95M |
| Jun 2025 | $386.81M | $358.63M | $1.67M | $23.89M |
| Jun 2026 | $370.31M | $336.13M | $2.74M | $28.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $336.13M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $336.13M.
Similar-sized banks
Premier Bank Of The South ($370.65M) · First Bank Elk River ($369.20M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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