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Overview / Commentary
15765 East Arapahoe Road
Centennial, CO 80016

Redstone Bank is headquartered in Centennial and is the 83rd largest bank in the state of Colorado. It is also the 5,356th largest bank in the nation. It was established in 2008 and as of March of 2014, it had grown to 14 employees at 1 location. Redstone 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. Redstone 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 Redstone Bank had $0 in non-current loans and owned real-estate with $10.13 million in equity and loan loss allowances on hand to cover it. This gives Redstone Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Redstone Bank has decreased its total deposits by $-152,000, resulting in -0.24% 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 Redstone Bank has shown is 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. Redstone Bank has $73.54 million in assets with $10.13 million in equity, resulting in a capitalization level of 13.78%, which is excellent.

Institution Statistics

FDIC Certificate #58826
Year Established2008
Primary RegulatorFDIC
Assets and Liabilities
Assets$73.54 million
Loans$52.75 million
Deposits$63.91 million
Equity Capital$9.38 million
Loan Loss Allowance$756,000
Real Estate Owned$0
Historic Data - March 2013
Assets$72.65 million
Equity Capital$8.41 million
Loan Loss Allowance$729,000
Real Estate Owned$192,000
Profit Margin - Quarterly
Net Interest Margin5.24%
Return on Assets1.43%
Return on Equity11.26%
Interest Income$949,000

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Redstone Bank Locations
Redstone Bank15765 East Arapahoe RoadCentennial, CO 80016