Grand Mountain Bank, FSB

Grand Mountain Bank, FSB is headquartered in Granby and is the 72^nd largest bank in the state of Colorado. It is also the 4,902^nd largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 32 employees at 5 locations. Grand Mountain Bank, FSB has a 2-star health rating.

Grand Mountain Bank, FSB Routing Number: 102189612

Data for Q1 2012

Institution Statistics Grand Mountain Bank, FSB OTS # 17950 FDIC Certificate # 57531 BankRate Report View Year Established 2003 Employees 32 Primary Regulator OCC Assets and Liabilities Assets $101.79 million Loans $65.16 million Deposits $93.15 million Equity Capital $5.90 million Loan Loss Allowance $3.80 million Unbacked Noncurrent Loans $7.53 million Real Estate Owned $4.30 million Historic Data - March 2011 Assets $119.92 million Equity Capital $10.45 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $11.48 million Real Estate Owned $2.79 million Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets -1.86% Return on Equity -30.79% Interest Income $1.07 million

Institution Health Overall Score: 2 out of 5 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 March 31, 2012 Grand Mountain Bank, FSB had $11.83 million in non-current loans and owned real-estate with $9.7 million in equity and loan loss allowances on hand to cover it. This gives Grand Mountain Bank, FSB a Texas Ratio of 121.89% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Grand Mountain Bank, FSB held steady from 114.08% as of March 31, 2011 to 121.89% as of March 31, 2012, resulting in a negative change of 6.85%. This indicates that the balance sheet and financial strength for Grand Mountain Bank, FSB has held steady in recent periods. Deposit Growth In the past year, Grand Mountain Bank, FSB has decreased its total deposits by -$1.81 million, resulting in -1.91% 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 Grand Mountain Bank, FSB has shown is below average. Capitalization 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. Grand Mountain Bank, FSB has $101.79 million in assets with $9.7 million in equity, resulting in a capitalization level of 9.53%, which is average.

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