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Overview / Commentary
101 Cook Street
Denver, CO 80206

Steele Street Bank & Trust is headquartered in Denver and is the 13st largest bank in the state of Colorado. It is also the 1,224th largest bank in the nation. It was established in 2003 and as of December of 2013, it had grown to 62 employees at 3 locations. Steele Street Bank & Trust has a A+ health rating.

Reviews (1)

The BEST Customer Service

I have recently opened several business accounts as well as my personal account at SSBT. I have to say without hesitation these people know what customer service is. Unlike other banks where I can navigate a phone system or speak to someone that is not in this country, with SSBT, I have an account officer that I can easily call or email for action on my accounts.

The bank in small in terms of personal service but large in its offerings of banking products. I like how when I walk into the downtown branch, everyone knows me by name and my deposits don't warrant that. I recently received a line of credit from SSBT that was based more on personal relationship and the officer's knowledge of my business and how I handle my accounts. I guarantee you - any other bank would have been completely sterile in their credit review.


Data for Q4 2013

Institution Health


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 December 31, 2013 Steele Street Bank & Trust had $692,000 in non-current loans and owned real-estate with $56.66 million in equity and loan loss allowances on hand to cover it. This gives Steele Street Bank & Trust a Texas Ratio of 1.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Steele Street Bank & Trust decreased dramatically from 2.39% as of December 31, 2012 to 1.22% as of December 31, 2013, resulting in a positive change of 48.96%.This indicates that the balance sheet and financial strength for Steele Street Bank & Trust has improved dramatically in recent periods.

Deposit Growth


In the past year, Steele Street Bank & Trust has increased its total deposits by $60.59 million, resulting in 14.13% 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 Steele Street Bank & Trust 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. Steele Street Bank & Trust has $544.3 million in assets with $56.66 million in equity, resulting in a capitalization level of 10.41%, which is above average.

Institution Statistics

FDIC Certificate #57575
Year Established2003
Primary RegulatorFED
Assets and Liabilities
Assets$544.30 million
Loans$366.40 million
Deposits$489.36 million
Equity Capital$52.48 million
Loan Loss Allowance$4.18 million
Real Estate Owned$692,000
Historic Data - December 2012
Assets$477.76 million
Equity Capital$47.59 million
Loan Loss Allowance$3.85 million
Real Estate Owned$1.23 million
Profit Margin - Quarterly
Net Interest Margin4.16%
Return on Assets1.83%
Return on Equity18.23%
Interest Income$20.64 million

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Steele Street Bank & Trust Locations
Uhills Banking Center2805 South Colorado BoulevardDenver, CO 80222
Cook Street Banking Center44 Cook Street, Suite 300Denver, CO 80206
Steele Street Bank & Trust55 Adams StreetDenver, CO 80206
Downtown Banking Center555 17th StreetDenver, CO 80202