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Overview / Commentary
303-688-5191
501 Wilcox
Castle Rock, CO 80104

Castle Rock Bank (CO) is headquartered in Castle Rock and is the 59th largest bank in the state of Colorado. It is also the 4,383rd largest bank in the nation. It was established in 1974 and as of December of 2013, it had grown to 20 employees at 2 locations. Castle Rock Bank (CO) has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
C+

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 Castle Rock Bank (CO) had $3.33 million in non-current loans and owned real-estate with $13.02 million in equity and loan loss allowances on hand to cover it. This gives Castle Rock Bank (CO) a Texas Ratio of 25.57% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Castle Rock Bank (CO) experienced no significant changes from 24.90% as of December 31, 2012 to 25.57% as of December 31, 2013, resulting in a negative change of 2.68%. This indicates that the balance sheet and financial strength for Castle Rock Bank (CO) has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Castle Rock Bank (CO) has increased its total deposits by $5.08 million, resulting in 5.15% 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 Castle Rock Bank (CO) has shown is excellent.

Capitalization

GRADE:
A

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. Castle Rock Bank (CO) has $115.52 million in assets with $13.02 million in equity, resulting in a capitalization level of 11.27%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #90582
Year Established1974
Employees20
Primary RegulatorFED
Assets and Liabilities
Assets$115.52 million
Loans$56.65 million
Deposits$103.80 million
Equity Capital$10.67 million
Loan Loss Allowance$2.35 million
Unbacked Noncurrent Loans$575,000
Real Estate Owned$2.75 million
Historic Data - December 2012
Assets$111.67 million
Equity Capital$11.84 million
Loan Loss Allowance$2.21 million
Unbacked Noncurrent Loans$575,000
Real Estate Owned$2.58 million
Profit Margin - Quarterly
Net Interest Margin3.77%
Return on Assets1.16%
Return on Equity11.63%
Interest Income$4.31 million
Rates
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Castle Rock Bank (CO) CD Rates

DetailsAPYMINMAXPRODUCT
1.30%$100k-5 Year CD
1.20%$100k-4 Year CD
0.80%$100k-2 Year CD
0.55%$100k-1 Year CD
0.55%$100k-18 Month CD
0.35%$100k-6 Month CD
0.25%$100k-3 Month CD

Castle Rock Bank (CO) IRA Rates

DetailsAPYMINMAXPRODUCT
1.35%$100k-5 Year IRA
1.25%$100k-4 Year IRA
0.85%$100k-2 Year IRA
0.60%$100k-1 Year IRA
0.60%$100k-18 Month IRA
0.40%$100k-6 Month IRA
Locations


Castle Rock Bank (CO) Locations
Castle Rock Bank501 WilcoxCastle Rock, CO 80104
506 Castle Pines Parkway Branch506 Castle Pines North PkwyCastle Pines, CO 80108