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Overview / Commentary
303-659-5450
4900 E. Bromley Lane
Brighton, CO 80601

Valley Bank & Trust (CO) is headquartered in Brighton and is the 24th largest bank in the state of Colorado. It is also the 2,328th largest bank in the nation. It was established in 1978 and as of December of 2013, it had grown to 86 employees at 8 locations. Valley Bank & Trust (CO) has a C+ health rating.

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Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
C-

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 Valley Bank & Trust (CO) had $14.29 million in non-current loans and owned real-estate with $22.45 million in equity and loan loss allowances on hand to cover it. This gives Valley Bank & Trust (CO) a Texas Ratio of 63.64% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Valley Bank & Trust (CO) increased slightly from 46.42% as of December 31, 2012 to 63.64% as of December 31, 2013, resulting in a negative change of 37.10%. This indicates that the balance sheet and financial strength for Valley Bank & Trust (CO) has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Valley Bank & Trust (CO) has increased its total deposits by $16.45 million, resulting in 6.95% 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.

Capitalization

GRADE:
C

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 $275.01 million in assets with $22.45 million in equity, resulting in a capitalization level of 8.16%, which is average.

Institution Statistics

Overall
FDIC Certificate #25651
Year Established1978
Employees86
Primary RegulatorFDIC
Assets and Liabilities
Assets$275.01 million
Loans$120.09 million
Deposits$253.10 million
Equity Capital$20.48 million
Loan Loss Allowance$1.97 million
Unbacked Noncurrent Loans$7.35 million
Real Estate Owned$6.93 million
Historic Data - December 2012
Assets$262.53 million
Equity Capital$24.54 million
Loan Loss Allowance$2.56 million
Unbacked Noncurrent Loans$7.35 million
Real Estate Owned$5.48 million
Profit Margin - Quarterly
Net Interest Margin4.03%
Return on Assets-0.07%
Return on Equity-0.89%
Interest Income$10.07 million
Rates

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Valley Bank & Trust (CO) Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
0.06%$50k-Money Market Account

Valley Bank & Trust (CO) Checking Account Rates

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

Valley Bank & Trust (CO) CD Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
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
Locations


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