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Overview / Commentary
1095 Canyon Blvd, Suite 100
Boulder, CO 80302

FlatIrons Bank is headquartered in Boulder and is the 57th largest bank in the state of Colorado. It is also the 4,135th largest bank in the nation. It was established in 2001 and as of March of 2014, it had grown to 17 employees at 3 locations. FlatIrons Bank's money market rates are 14% higher than the national average, and it boasts 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 FlatIrons Bank had $0 in non-current loans and owned real-estate with $13.86 million in equity and loan loss allowances on hand to cover it. This gives FlatIrons Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, FlatIrons Bank has increased its total deposits by $16.23 million, resulting in 17.42% 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 FlatIrons 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. FlatIrons Bank has $126.78 million in assets with $13.86 million in equity, resulting in a capitalization level of 10.93%, which is above average.

Institution Statistics

FDIC Certificate #57280
Year Established2001
Primary RegulatorFDIC
Assets and Liabilities
Assets$126.78 million
Loans$77.90 million
Deposits$109.39 million
Equity Capital$11.81 million
Loan Loss Allowance$2.06 million
Real Estate Owned$0
Historic Data - March 2013
Assets$109.79 million
Equity Capital$11.07 million
Loan Loss Allowance$1.83 million
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.5%
Return on Assets0.87%
Return on Equity9.35%
Interest Income$1.23 million

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FlatIrons Bank Savings Account Rates

0.25%--Summit (Senior) Account
0.25%$1k-Business Savings Account
0.25%--Health Savings Account
0.25%$1k-Bear Peak Savings Account
0.15%$100-Junior Ranger Savings Account

FlatIrons Bank Money Market Rates

0.50%$200k-Personal Money Market Account
0.50%$200k-Business Money Market Account

FlatIrons Bank Checking Account Rates

0.10%$2,500-Longs Peak Checking Account
0.10%$500-Non-Profit with Interest Checking Account

FlatIrons Bank CD Rates

0.75%$1k-24 Month CD
0.60%$1k-18 Month CD
0.40%$1k-12 Month CD
0.30%$1k-6 Month CD

FlatIrons Bank IRA Rates

0.75%$1k-24 Month IRA
0.40%$1k-12 Month IRA

FlatIrons Bank Locations
Flatirons Bank1095 Canyon Blvd, Suite 100Boulder, CO 80302
Longmont Branch522 4th AvenueLongmont, CO 80501