Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.6) profitability.
Other Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (8.7). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 8.9.
Asset Mix:
Home mtgs (38%), comm re (20%), securities (14%), cash (8%), comm loans (7%), home eq lns (4%), consumer loans (0%), other (9%)
States with Branches:
CO
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
FBHC Holding Co
Investment Rating
--
Address
1095 Canyon Boulevard
Boulder, CO 80302
Boulder, CO 80302
Phone Number
(303) 530-4999
Year Founded
2001
FDIC Number
Website
Largest Affiliates
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