FlatIrons Bank
Total assets
$370.3M
▼ -4.3% YoY
Deposits
$336.1M
▼ -6.3% YoY
Loans
$275.5M
▲ +8.7% YoY
Offices
3
FBHC HOLDING CO
ROA (annualized)
1.51%
ROE (annualized)
19.43%
Peer comparison
No peer data.
Profile
- Established
- 2001
- Charter
- State
- Primary regulator
- FED
- Holding company
- FBHC HOLDING CO
- Specialization
- Commercial Lending Specialization
- Address
- 1095 Canyon Blvd, Boulder, CO, 80302
- County
- Boulder
- Metro area
- Boulder, CO
- Offices
- 3
- FDIC cert #
- 57280
- RSSD ID
- 3022610
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $370.3M | $336.1M | $275.5M | $28.8M | $2.7M | 1.51% | 4.01% | 0.00% |
| Q1 2026 | $358.9M | $325.9M | $254.1M | $28.3M | $1.4M | 1.50% | 3.74% | 0.00% |
| Q4 2025 | $359.8M | $327.4M | $242.6M | $27.5M | $4.3M | 1.20% | 3.80% | 0.00% |
| Q3 2025 | $354.3M | $323.4M | $245.4M | $26.2M | $3.0M | 1.12% | 3.76% | 0.00% |
| Q2 2025 | $386.8M | $358.6M | $253.4M | $23.9M | $1.7M | 0.93% | 3.74% | 0.00% |
| Q1 2025 | $345.9M | $318.1M | $253.6M | $23.6M | $948K | 1.11% | 3.57% | 0.89% |
| Q4 2024 | $340.1M | $312.8M | $257.3M | $22.8M | $3.0M | 0.91% | 3.18% | 0.64% |
| Q3 2024 | $331.4M | $281.1M | $262.8M | $24.0M | $2.0M | 0.83% | 3.06% | 0.32% |
Loan mix (Q2 2026): real estate $252.5M · commercial $24.1M · consumer $619K · securities $53.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | FlatIrons Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 62.9% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | FlatIrons Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | FlatIrons Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | FlatIrons Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | FlatIrons Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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