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Overview / Commentary
255 Park Lane
Estes Park, CO 80517

Bank of Estes Park is headquartered in Estes Park and is the 63rd largest bank in the state of Colorado. It is also the 4,459th largest bank in the nation. It was established in 1965 and as of December of 2013, it had grown to 26 employees at 3 locations. Bank of Estes Park has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Bank of Estes Park had $78,000 in non-current loans and owned real-estate with $11.27 million in equity and loan loss allowances on hand to cover it. This gives Bank of Estes Park a Texas Ratio of 0.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Estes Park decreased dramatically from 8.85% as of December 31, 2012 to 0.69% as of December 31, 2013, resulting in a positive change of 92.18%.This indicates that the balance sheet and financial strength for Bank of Estes Park has improved dramatically in recent periods.

Deposit Growth


In the past year, Bank of Estes Park has decreased its total deposits by -$4.09 million, resulting in -3.88% 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 Bank of Estes Park has shown is below average.



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. Bank of Estes Park has $111.95 million in assets with $11.27 million in equity, resulting in a capitalization level of 10.07%, which is above average.

Institution Statistics

FDIC Certificate #19351
Year Established1965
Primary RegulatorFDIC
Assets and Liabilities
Assets$111.95 million
Loans$48.04 million
Deposits$101.40 million
Equity Capital$9.99 million
Loan Loss Allowance$1.28 million
Real Estate Owned$78,000
Historic Data - December 2012
Assets$117.77 million
Equity Capital$11.83 million
Loan Loss Allowance$1.31 million
Unbacked Noncurrent Loans$0
Real Estate Owned$165,000
Profit Margin - Quarterly
Net Interest Margin2.92%
Return on Assets0.48%
Return on Equity5.12%
Interest Income$3.05 million

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Bank of Estes Park Locations
Bank Of Estes Park255 Park LaneEstes Park, CO 80517
St Vrain Center501 South St VrainEstes Park, CO 80517
Niwot Branch7980 Niwot RoadNiwot, CO 80544