Bank of Estes Park is headquartered in Estes Park and is the 63rd largest bank in the state of Colorado. It is also the 4,371st largest bank in the nation. It was established in 1965 and as of March of 2014, it had grown to 26 employees at 3 locations. Bank of Estes Park has a A+ health rating.
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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 Bank of Estes Park had $78,000 in non-current loans and owned real-estate with $11.53 million in equity and loan loss allowances on hand to cover it. This gives Bank of Estes Park a Texas Ratio of 0.68% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Bank of Estes Park decreased dramatically from 8.97% as of March 31, 2013 to 0.68% as of March 31, 2014, resulting in a positive change of 92.46%.This indicates that the balance sheet and financial strength for Bank of Estes Park has improved dramatically in recent periods.
In the past year, Bank of Estes Park has increased its total deposits by $5.21 million, resulting in 5.2% 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 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. Bank of Estes Park has $116.13 million in assets with $11.53 million in equity, resulting in a capitalization level of 9.93%, which is above average.
|FDIC Certificate #||19351|
|Assets and Liabilities|
|Equity Capital||$10.25 million|
|Loan Loss Allowance||$1.28 million|
|Real Estate Owned||$78,000|
|Historic Data - March 2013|
|Equity Capital||$11.63 million|
|Loan Loss Allowance||$1.31 million|
|Unbacked Noncurrent Loans||$0|
|Real Estate Owned||$165,000|
|Profit Margin - Quarterly|
|Net Interest Margin||2.8%|
|Return on Assets||0.31%|
|Return on Equity||3.44%|
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|Bank of Estes Park Locations|
|Bank Of Estes Park||255 Park Lane||Estes Park, CO 80517|
|St Vrain Center||501 South St Vrain||Estes Park, CO 80517|
|Niwot Branch||7980 Niwot Road||Niwot, CO 80544|