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Overview / Commentary
8390 East Crescent Parkway, Suite 100
Greenwood Village, CO 80111

First American State Bank is headquartered in Greenwood Villag and is the 31st largest bank in the state of Colorado. It is also the 2,560th largest bank in the nation. It was established in 1995 and as of December of 2013, it had grown to 26 employees at 1 location. First American State Bank has a C- 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 First American State Bank had $15.47 million in non-current loans and owned real-estate with $19.01 million in equity and loan loss allowances on hand to cover it. This gives First American State Bank a Texas Ratio of 81.41% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First American State Bank experienced no significant changes from 75.95% as of December 31, 2012 to 81.41% as of December 31, 2013, resulting in a negative change of 7.18%. This indicates that the balance sheet and financial strength for First American State Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, First American State Bank has decreased its total deposits by -$11.68 million, resulting in -6.06% 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 First American State Bank has shown is below average.



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. First American State Bank has $249.03 million in assets with $19.01 million in equity, resulting in a capitalization level of 7.63%, which is below average.

Institution Statistics

FDIC Certificate #34040
Year Established1995
Primary RegulatorFED
Assets and Liabilities
Assets$249.03 million
Loans$164.61 million
Deposits$180.97 million
Equity Capital$17.17 million
Loan Loss Allowance$1.84 million
Unbacked Noncurrent Loans$2.05 million
Real Estate Owned$13.42 million
Historic Data - December 2012
Assets$237.55 million
Equity Capital$16.92 million
Loan Loss Allowance$2.33 million
Unbacked Noncurrent Loans$2.05 million
Real Estate Owned$13.61 million
Profit Margin - Quarterly
Net Interest Margin3.05%
Return on Assets0.2%
Return on Equity2.93%
Interest Income$9.28 million

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First American State Bank Locations
First American State Bank8390 East Crescent Parkway, Suite 100Greenwood Village, CO 80111