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Overview / Commentary
1475 North Denver Avenue
Loveland, CO 80537

Advantage Bank (CO) is headquartered in Loveland and is the 29th largest bank in the state of Colorado. It is also the 2,444th largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 44 employees at 4 locations. Advantage Bank (CO) has a F health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Advantage Bank (CO) had $29.78 million in non-current loans and owned real-estate with $11.47 million in equity and loan loss allowances on hand to cover it. This gives Advantage Bank (CO) a Texas Ratio of 259.70% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Advantage Bank (CO) experienced no significant changes from 276.98% as of March 31, 2013 to 259.70% as of March 31, 2014, resulting in a positive change of 6.24%.This indicates that the balance sheet and financial strength for Advantage Bank (CO) has had no significant changes in recent periods.

Deposit Growth


In the past year, Advantage Bank (CO) has increased its total deposits by $10.83 million, resulting in 4.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Advantage Bank (CO) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Advantage Bank (CO) has $264.04 million in assets with $11.47 million in equity, resulting in a capitalization level of 4.34%, which is poor.

Institution Statistics

FDIC Certificate #57072
Year Established2000
Primary RegulatorFDIC
Assets and Liabilities
Assets$264.04 million
Loans$186.51 million
Deposits$256.97 million
Equity Capital$6.25 million
Loan Loss Allowance$5.22 million
Unbacked Noncurrent Loans$16.40 million
Real Estate Owned$13.38 million
Historic Data - March 2013
Assets$258.82 million
Equity Capital$11.84 million
Loan Loss Allowance$5.09 million
Unbacked Noncurrent Loans$16.40 million
Real Estate Owned$22.50 million
Profit Margin - Quarterly
Net Interest Margin3.36%
Return on Assets-0.56%
Return on Equity-23.43%
Interest Income$2.40 million

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Advantage Bank (CO) Locations
Advantage Bank1475 North Denver AvenueLoveland, CO 80537
Greeley Branch1801 59th AvenueGreeley, CO 80634
Advantage Bank - Fort Collins Branch4532 Mcmurray AvenueFort Collins, CO 80525