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Overview / Commentary
821 - 17th Street
Denver, CO 80202

CoBiz Bank is headquartered in Denver and is the 2nd largest bank in the state of Colorado. It is also the 271st largest bank in the nation. It was established in 1978 and as of March of 2014, it had grown to 412 employees at 18 locations. CoBiz Bank has a A+ 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 CoBiz Bank had $11.89 million in non-current loans and owned real-estate with $336.49 million in equity and loan loss allowances on hand to cover it. This gives CoBiz Bank a Texas Ratio of 3.53% 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 CoBiz Bank decreased dramatically from 9.40% as of March 31, 2013 to 3.53% as of March 31, 2014, resulting in a positive change of 62.42%.This indicates that the balance sheet and financial strength for CoBiz Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, CoBiz Bank has increased its total deposits by $252.13 million, resulting in 12.05% 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 CoBiz Bank 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. CoBiz Bank has $2.82 billion in assets with $336.49 million in equity, resulting in a capitalization level of 11.94%, which is excellent.

Institution Statistics

FDIC Certificate #22683
Year Established1978
Primary RegulatorFED
Assets and Liabilities
Assets$2.82 billion
Loans$2.11 billion
Deposits$2.34 billion
Equity Capital$301.42 million
Loan Loss Allowance$35.07 million
Unbacked Noncurrent Loans$10.50 million
Real Estate Owned$1.39 million
Historic Data - March 2013
Assets$2.58 billion
Equity Capital$281.60 million
Loan Loss Allowance$44.06 million
Unbacked Noncurrent Loans$10.50 million
Real Estate Owned$1.69 million
Profit Margin - Quarterly
Net Interest Margin3.98%
Return on Assets0.88%
Return on Equity8.22%
Interest Income$27.29 million

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CoBiz Bank has 18 locations. Click to view all CoBiz Bank locations.