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Overview / Commentary
13013 West Alameda Parkway
Lakewood, CO 80228

Front Range Bank is headquartered in Lakewood and is the 40th largest bank in the state of Colorado. It is also the 3,085th largest bank in the nation. It was established in 1997 and as of December of 2013, it had grown to 29 employees at 3 locations. Front Range Bank has a B+ health rating.

Reviews (1)

Front Range Has Unfair Lending Practices.

Don't do business with Front Range, they got in trouble with the FDIC before by making loans when they were not in a good positions to make loans. Now they just screw new borrowers by demanding more collateral than required to cover the loan and money deposits on top of that. They just stick it to borrowers to cover their poor past performance, and refuse to help with underwater mortgages just to protect their ratings. Bank lender or bank robber? Run from them!


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 Front Range Bank had $1.91 million in non-current loans and owned real-estate with $15.85 million in equity and loan loss allowances on hand to cover it. This gives Front Range Bank a Texas Ratio of 12.05% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Front Range Bank decreased dramatically from (infinite) as of December 31, 2012 to 12.05% as of December 31, 2013, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Front Range Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Front Range Bank has increased its total deposits by $29.71 million, resulting in 23.84% 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 Front Range 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. Front Range Bank has $197.33 million in assets with $15.85 million in equity, resulting in a capitalization level of 8.03%, which is average.

Institution Statistics

FDIC Certificate #34401
Year Established1997
Primary RegulatorFDIC
Assets and Liabilities
Assets$197.33 million
Loans$96.83 million
Deposits$154.29 million
Equity Capital$14.84 million
Loan Loss Allowance$1.01 million
Unbacked Noncurrent Loans$1.29 million
Real Estate Owned$623,000
Historic Data - December 2012
Assets$167.11 million
Equity Capital$16.42 million
Loan Loss Allowance$945,000
Unbacked Noncurrent Loans$1.29 million
Real Estate Owned$672,000
Profit Margin - Quarterly
Net Interest Margin3.62%
Return on Assets1.11%
Return on Equity12.92%
Interest Income$6.64 million

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Front Range Bank Locations
Front Range Bank13013 West Alameda ParkwayLakewood, CO 80228
Englewood Branch3594 South Logan StreetEnglewood, CO 80113
Alton Way Branch7006 South Alton Way, Building BCentennial, CO 80112