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Overview / Commentary
12365 Huron Street
Westminster, CO 80234

Mountain View Bank of Commerce is headquartered in Westminster and is the 90th largest bank in the state of Colorado. It is also the 5,696th largest bank in the nation. It was established in 2008 and as of March of 2014, it had grown to 12 employees at 1 location. Mountain View Bank of Commerce has a B health rating.

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Data for Q1 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. Mountain View Bank of Commerce 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 March 31, 2014 Mountain View Bank of Commerce had $1.68 million in non-current loans and owned real-estate with $8.8 million in equity and loan loss allowances on hand to cover it. This gives Mountain View Bank of Commerce a Texas Ratio of 19.15% 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 Mountain View Bank of Commerce experienced no significant changes from 15.50% as of March 31, 2013 to 19.15% as of March 31, 2014, resulting in a negative change of 23.52%. This indicates that the balance sheet and financial strength for Mountain View Bank of Commerce has had no significant changes in recent periods.

Deposit Growth


In the past year, Mountain View Bank of Commerce has increased its total deposits by $6.45 million, resulting in 15.31% 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 Mountain View Bank of Commerce 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. Mountain View Bank of Commerce has $60.83 million in assets with $8.8 million in equity, resulting in a capitalization level of 14.46%, which is excellent.

Institution Statistics

FDIC Certificate #58772
Year Established2008
Primary RegulatorFDIC
Assets and Liabilities
Assets$60.83 million
Loans$50.44 million
Deposits$48.57 million
Equity Capital$7.96 million
Loan Loss Allowance$836,000
Unbacked Noncurrent Loans$1.06 million
Real Estate Owned$628,000
Historic Data - March 2013
Assets$53.75 million
Equity Capital$7.83 million
Loan Loss Allowance$810,000
Unbacked Noncurrent Loans$1.06 million
Real Estate Owned$957,000
Profit Margin - Quarterly
Net Interest Margin4.04%
Return on Assets0.25%
Return on Equity1.86%
Interest Income$654,000

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Mountain View Bank of Commerce Savings Account Rates

0.33%$1k-Basic Savings
0.28%--Business Savings
0.28%--Savings for Minors

Mountain View Bank of Commerce Money Market Rates

0.23%--Business Maroon Bells MMDA
0.23%--Personal Pikes Peak MMDA

Mountain View Bank of Commerce Checking Account Rates

0.05%--Business Interest Checking
0.05%--Personal Interest Checking
0.05%--Shareholder / Employee Account

Mountain View Bank of Commerce CD Rates

1.21%$1k$100k60 Month CD
1.00%$1k$100k48 Month CD
1.00%$1k-18 Month CD
0.95%$1k$100k36 Month CD
0.90%$1k$100k30 Month CD
0.85%$1k$100k24 Month CD
0.45%$1k-12 Month CD
0.35%$1k-6 Month CD
0.25%$1k-3 Month CD

Mountain View Bank of Commerce Locations
Mountain View Bank Of Commerce12365 Huron StreetWestminster, CO 80234