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Overview / Commentary
10660 East Colfax Avenue
Aurora, CO 80010

Citywide Banks is headquartered in Aurora and is the 8th largest bank in the state of Colorado. It is also the 561st largest bank in the nation. It was established in 1969 and as of March of 2014, it had grown to 209 employees at 12 locations. Citywide Banks has a B+ 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 Citywide Banks had $34.92 million in non-current loans and owned real-estate with $129.96 million in equity and loan loss allowances on hand to cover it. This gives Citywide Banks a Texas Ratio of 26.87% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Citywide Banks decreased slightly from 34.53% as of March 31, 2013 to 26.87% as of March 31, 2014, resulting in a positive change of 22.20%.This indicates that the balance sheet and financial strength for Citywide Banks has improved slightly in recent periods.

Deposit Growth


In the past year, Citywide Banks has increased its total deposits by $109.01 million, resulting in 11.47% 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 Citywide Banks 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. Citywide Banks has $1.2 billion in assets with $129.96 million in equity, resulting in a capitalization level of 10.80%, which is above average.

Institution Statistics

FDIC Certificate #19858
Year Established1969
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.20 billion
Loans$730.08 million
Deposits$1.06 billion
Equity Capital$113.42 million
Loan Loss Allowance$16.54 million
Unbacked Noncurrent Loans$6.39 million
Real Estate Owned$28.53 million
Historic Data - March 2013
Assets$1.09 billion
Equity Capital$106.92 million
Loan Loss Allowance$17.16 million
Unbacked Noncurrent Loans$6.39 million
Real Estate Owned$32.57 million
Profit Margin - Quarterly
Net Interest Margin3.78%
Return on Assets4.08%
Return on Equity44.7%
Interest Income$11.12 million

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Citywide Banks has 12 locations. Click to view all Citywide Banks locations.