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Overview / Commentary
4900 E. Bromley Lane
Brighton, CO 80601

Valley Bank & Trust (CO) is headquartered in Brighton and is the 25th largest bank in the state of Colorado. It is also the 2,355th largest bank in the nation. It was established in 1978 and as of March of 2014, it had grown to 86 employees at 8 locations. Valley Bank & Trust (CO) has a C+ health rating.

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Data for Q1 2014

Institution Health


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 Valley Bank & Trust (CO) had $13.87 million in non-current loans and owned real-estate with $24.14 million in equity and loan loss allowances on hand to cover it. This gives Valley Bank & Trust (CO) a Texas Ratio of 57.46% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Valley Bank & Trust (CO) experienced no significant changes from 55.07% as of March 31, 2013 to 57.46% as of March 31, 2014, resulting in a negative change of 4.34%. This indicates that the balance sheet and financial strength for Valley Bank & Trust (CO) has had no significant changes in recent periods.

Deposit Growth


In the past year, Valley Bank & Trust (CO) has increased its total deposits by $10.39 million, resulting in 4.38% 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 Valley Bank & Trust (CO) 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. Valley Bank & Trust (CO) has $274.77 million in assets with $24.14 million in equity, resulting in a capitalization level of 8.78%, which is average.

Institution Statistics

FDIC Certificate #25651
Year Established1978
Primary RegulatorFDIC
Assets and Liabilities
Assets$274.77 million
Loans$125.55 million
Deposits$247.84 million
Equity Capital$22.14 million
Loan Loss Allowance$1.99 million
Unbacked Noncurrent Loans$7.18 million
Real Estate Owned$6.69 million
Historic Data - March 2013
Assets$262.35 million
Equity Capital$23.58 million
Loan Loss Allowance$1.82 million
Unbacked Noncurrent Loans$7.18 million
Real Estate Owned$6.32 million
Profit Margin - Quarterly
Net Interest Margin4.09%
Return on Assets0.35%
Return on Equity4.52%
Interest Income$2.59 million

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Valley Bank & Trust (CO) Savings Account Rates

0.45%$100-Health Savings Account
0.15%$25-Old-Fashioned Christmas Club
0.10%$25k-Statement Savings Account
0.03%$25-Scooter’s Savings Club

Valley Bank & Trust (CO) Money Market Rates

0.06%$50k-Money Market Account

Valley Bank & Trust (CO) Checking Account Rates

0.14%$30k-Checking with Interest (NOW) Account

Valley Bank & Trust (CO) CD Rates

0.60%$250-60 Month CD
0.50%$250-48 Month CD
0.40%$250-36 Month CD
0.30%$500-30 Month CD
0.25%$100-60 Month College Bound Add-To CD
0.20%$500-24 Month CD
0.10%$500-18 Month CD
0.08%$500-12 Month CD
0.05%$1k-182 Day CD
0.03%$1k-91 Day CD
0.03%$2,500-31 Day CD

Valley Bank & Trust (CO) IRA Rates

0.95%$250-30 Month Traditional Add-To IRA
0.95%$250-30 Month Roth Add-To IRA
0.95%$250-30 Month Add-To CESA
0.75%$250-24 Month Traditional Add-To IRA
0.75%$250-24 Month Roth Add-To IRA
0.75%$250-24 Month Add-To CESA
0.55%$250-18 Month Traditional Add-To IRA
0.55%$250-18 Month Roth Add-To IRA
0.55%$250-18 Month Add-To CESA
0.25%$250-12 Month Traditional Add-To IRA
0.25%$250-12 Month Roth Add-To IRA
0.25%$250-12 Month Add-To CESA

Valley Bank & Trust (CO) Locations
Westminster Branch11145 Sheridan BoulevardWestminster, CO 80020
East Branch2380 East Bridge StreetBrighton, CO 80601
30 North 4th Branch30 North 4th AveBrighton, CO 80601
Lyons Branch304 Second AvenueLyons, CO 80540
Carbon Valley Branch418 8th StreetDacono, CO 80514
Valley Bank & Trust4900 E. Bromley LaneBrighton, CO 80601
Strasburg Branch56641 Colfax AvenueStrasburg, CO 80136
Hudson Branch580 Dahlia StreetHudson, CO 80642
6171 North Washington Branch6171 North WashingtonDenver, CO 80216
Commerce City Branch6990 East 72nd AvenueCommerce City, CO 80022