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Overview / Commentary
600 West 8th
Palisade, CO 81526

Colorado National Bank is headquartered in Palisade and is the 88th largest bank in the state of Colorado. It is also the 5,487th largest bank in the nation. It was established in 1905 and as of March of 2014, it had grown to 33 employees at 2 locations. Colorado National Bank has a A health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Colorado National Bank has a relatively low asset base.

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 Colorado National Bank had $129,000 in non-current loans and owned real-estate with $7.84 million in equity and loan loss allowances on hand to cover it. This gives Colorado National Bank a Texas Ratio of 1.65% 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 Colorado National Bank decreased slightly from 1.87% as of March 31, 2013 to 1.65% as of March 31, 2014, resulting in a positive change of 11.92%.This indicates that the balance sheet and financial strength for Colorado National Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Colorado National Bank has increased its total deposits by $4.99 million, resulting in 9.12% 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 Colorado National 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. Colorado National Bank has $68.46 million in assets with $7.84 million in equity, resulting in a capitalization level of 11.45%, which is excellent.

Institution Statistics

FDIC Certificate #13986
Year Established1905
Primary RegulatorOCC
Assets and Liabilities
Assets$68.46 million
Loans$43.23 million
Deposits$59.76 million
Equity Capital$7.67 million
Loan Loss Allowance$170,000
Unbacked Noncurrent Loans$129,000
Real Estate Owned$0
Historic Data - March 2013
Assets$62.11 million
Equity Capital$6.68 million
Loan Loss Allowance$218,000
Unbacked Noncurrent Loans$129,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.54%
Return on Assets-4.45%
Return on Equity-42.03%
Interest Income$479,000

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Colorado National Bank Locations
17th Street Branch1225 17th Street, Suite 150Denver, CO 80202
Colorado National Bank600 West 8th StreetPalisade, CO 81526