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Overview / Commentary
2401 West Colorado Avenue
Colorado Springs, CO 80904

Pikes Peak National Bank is headquartered in Colorado Springs and is the 80th largest bank in the state of Colorado. It is also the 5,164th largest bank in the nation. It was established in 1957 and as of March of 2014, it had grown to 29 employees at 3 locations. Pikes Peak National Bank 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. Pikes Peak National Bank 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 Pikes Peak National Bank had $2.72 million in non-current loans and owned real-estate with $9.57 million in equity and loan loss allowances on hand to cover it. This gives Pikes Peak National Bank a Texas Ratio of 28.45% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pikes Peak National Bank decreased dramatically from 44.73% as of March 31, 2013 to 28.45% as of March 31, 2014, resulting in a positive change of 36.41%.This indicates that the balance sheet and financial strength for Pikes Peak National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Pikes Peak National Bank has increased its total deposits by $3.61 million, resulting in 5.23% 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 Pikes Peak National 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. Pikes Peak National Bank has $82 million in assets with $9.57 million in equity, resulting in a capitalization level of 11.67%, which is excellent.

Institution Statistics

FDIC Certificate #17782
Year Established1957
Primary RegulatorOCC
Assets and Liabilities
Assets$82.00 million
Loans$35.16 million
Deposits$72.62 million
Equity Capital$8.63 million
Loan Loss Allowance$946,000
Unbacked Noncurrent Loans$1.64 million
Real Estate Owned$1.08 million
Historic Data - March 2013
Assets$77.34 million
Equity Capital$8.19 million
Loan Loss Allowance$1.37 million
Unbacked Noncurrent Loans$1.64 million
Real Estate Owned$1.77 million
Profit Margin - Quarterly
Net Interest Margin3.42%
Return on Assets1.1%
Return on Equity10.43%
Interest Income$699,000

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Pikes Peak National Bank Locations
Pikes Peak National Bank2401 West Colorado AvenueColorado Springs, CO 80904
Academy Boulevard Branch4790 North Academy BoulevardColorado Springs, CO 80918
Valley Branch6615 Camden BoulevardFountain, CO 80817