Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
13700 East Arapahoe Road
Centennial, CO 80112

Centennial Bank (CO) is headquartered in Centennial and is the 15st largest bank in the state of Colorado. It is also the 1,438th largest bank in the nation. It was established in 1986 and as of March of 2014, it had grown to 95 employees at 11 locations. Centennial Bank (CO) has a B+ health rating.

No reviews have been left for this bank yet. Be the first to review.


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 Centennial Bank (CO) had $10.25 million in non-current loans and owned real-estate with $51.72 million in equity and loan loss allowances on hand to cover it. This gives Centennial Bank (CO) a Texas Ratio of 19.82% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Centennial Bank (CO) experienced no significant changes from 20.60% as of March 31, 2013 to 19.82% as of March 31, 2014, resulting in a positive change of 3.78%.This indicates that the balance sheet and financial strength for Centennial Bank (CO) has had no significant changes in recent periods.

Deposit Growth


In the past year, Centennial Bank (CO) has increased its total deposits by $52.37 million, resulting in 14.67% 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 Centennial 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. Centennial Bank (CO) has $469.71 million in assets with $51.72 million in equity, resulting in a capitalization level of 11.01%, which is excellent.

Institution Statistics

FDIC Certificate #26853
Year Established1986
Primary RegulatorFED
Assets and Liabilities
Assets$469.71 million
Loans$356.25 million
Deposits$409.42 million
Equity Capital$47.71 million
Loan Loss Allowance$4.01 million
Unbacked Noncurrent Loans$3.37 million
Real Estate Owned$6.88 million
Historic Data - March 2013
Assets$408.87 million
Equity Capital$41.50 million
Loan Loss Allowance$2.71 million
Unbacked Noncurrent Loans$3.37 million
Real Estate Owned$6.26 million
Profit Margin - Quarterly
Net Interest Margin3.98%
Return on Assets0.28%
Return on Equity2.73%
Interest Income$4.78 million

Sorry, we do not have rate data for Centennial Bank (CO)


Centennial Bank (CO) Locations
Edwards Branch105 Edwards Village Blvd, Unit D106&d107Edwards, CO 81632
Breckenridge Branch116 Lincoln Ave.Breckenridge, CO 80424
Centennial Bank13700 East Arapahoe RoadCentennial, CO 80112
Englewood Branch209 West Hampden AvenueEnglewood, CO 80110
Vail Branch2111 North Frontage Road West, Suite AVail, CO 81657
Boulder Branch2500 Broadway StreetBoulder, CO 80304
Steamboat Branch635 Marketplace PlazaSteamboat Springs, CO 80487
Downtown Denver Branch717 17th Street, Suite 100Denver, CO 80202
Winter Park Branch77699 US Highway 40Fraser, CO 80442