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Grand Mountain Bank, FSB

Grand Mountain Bank, FSB
Overview / Commentary
337 East Agate Avenue
Granby, CO 80446

Grand Mountain Bank, FSB is headquartered in Granby and is the 75th largest bank in the state of Colorado. It is also the 4,904th largest bank in the nation. It was established in 2003 and as of June of 2014, it had grown to 30 employees at 4 locations. Grand Mountain Bank, FSB has a C- health rating.

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Data for Q2 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. Grand Mountain Bank, FSB 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 June 30, 2014 Grand Mountain Bank, FSB had $8.62 million in non-current loans and owned real-estate with $8.46 million in equity and loan loss allowances on hand to cover it. This gives Grand Mountain Bank, FSB a Texas Ratio of 101.88% 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 decreased slightly from 119.06% as of June 30, 2013 to 101.88% as of June 30, 2014, resulting in a positive change of 14.43%.This indicates that the balance sheet and financial strength for Grand Mountain Bank, FSB has improved slightly in recent periods.

Deposit Growth


In the past year, Grand Mountain Bank, FSB has decreased its total deposits by -$5.68 million, resulting in -6.59% 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.



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 $91.26 million in assets with $8.46 million in equity, resulting in a capitalization level of 9.27%, which is average.

Institution Statistics

FDIC Certificate #57531
Year Established2003
Primary RegulatorOCC
Assets and Liabilities
Assets$91.26 million
Loans$57.77 million
Deposits$80.54 million
Equity Capital$5.49 million
Loan Loss Allowance$2.97 million
Unbacked Noncurrent Loans$4.78 million
Real Estate Owned$3.84 million
Historic Data - June 2013
Assets$93.88 million
Equity Capital$5.37 million
Loan Loss Allowance$3.10 million
Unbacked Noncurrent Loans$4.78 million
Real Estate Owned$3.62 million
Profit Margin - Quarterly
Return on Assets0.07%
Return on Equity1.14%
Interest Income$1.63 million

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Grand Mountain Bank, FSB Locations
Kremmling Branch100 West Park AvenueKremmling, CO 80459
197 N Zerex Branch197 N ZerexFraser, CO 80442
Grand Mountain Bank, FSB337 East Agate AvenueGranby, CO 80446
Grand Lake Branch902 Grand AvenueGrand Lake, CO 80447