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Overview / Commentary
105 Centennial Plaza
Buena Vista, CO 81211

Collegiate Peaks Bank is headquartered in Buena Vista and is the 18st largest bank in the state of Colorado. It is also the 1,936th largest bank in the nation. It was established in 1987 and as of December of 2013, it had grown to 68 employees at 5 locations. Collegiate Peaks Bank has a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


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 Collegiate Peaks Bank had $124,000 in non-current loans and owned real-estate with $38.16 million in equity and loan loss allowances on hand to cover it. This gives Collegiate Peaks Bank a Texas Ratio of 0.32% 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 Collegiate Peaks Bank decreased dramatically from 1.37% as of December 31, 2012 to 0.32% as of December 31, 2013, resulting in a positive change of 76.19%.This indicates that the balance sheet and financial strength for Collegiate Peaks Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Collegiate Peaks Bank has increased its total deposits by $66.73 million, resulting in 30.56% 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 Collegiate Peaks 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. Collegiate Peaks Bank has $337.45 million in assets with $38.16 million in equity, resulting in a capitalization level of 11.31%, which is excellent.

Institution Statistics

FDIC Certificate #26916
Year Established1987
Primary RegulatorFED
Assets and Liabilities
Assets$337.45 million
Loans$197.25 million
Deposits$285.11 million
Equity Capital$35.58 million
Loan Loss Allowance$2.58 million
Unbacked Noncurrent Loans$124,000
Real Estate Owned$0
Historic Data - December 2012
Assets$261.31 million
Equity Capital$32.47 million
Loan Loss Allowance$2.40 million
Unbacked Noncurrent Loans$124,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.25%
Return on Assets0.94%
Return on Equity8.41%
Interest Income$12.77 million

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Collegiate Peaks Bank Locations
Collegiate Peaks Bank105 Centennial PlazaBuena Vista, CO 81211
Fitzsimons Office Branch2101 North Ursula StreetAurora, CO 80045
Salida Branch540 Highway 50Salida, CO 81201
Belcaro Office Branch885 South Colorado BlvdDenver, CO 80246