Bank of Estes Park
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Data as of · sourced from FFIEC call reports. How we update
Bank of Estes Park is an FDIC-insured commercial bank headquartered in Estes Park, CO, established in 1965 (FDIC certificate 19351), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $171.9M, up 10.3% from Q2 2025, the 46th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.84% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19351
- Headquarters
- Estes Park, CO
- Established
- 1965
- Total assets, Q2 2026
- $171.9M
- Assets vs Q2 2025
- +10.3%
- Tier 1 leverage ratio, Q2 2026
- 10.84%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 107001326
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Estes Park call report
- Holding company
- FIRST NATIONAL FINANCIAL CORPORATION
- Asset rank in state
- 46th of 63 in Colorado
Bank of Estes Park, based in Estes Park, Colorado, reported $172 million in assets at June 30, 2026, up 10.3% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also pays an average of 1.06% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Deposits are coming in faster than loans: over the year loans rose 0.4% and deposits rose 11.1%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.70%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Bank of Estes Park reported a return on assets of 1.72%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Bank of Estes Park ranks as the 46th largest of the 63 banks based in Colorado, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 9.1% to $171.9M, loans rose 2.1% and deposits rose 9.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 35.4%. Its 3 offices in the FDIC Summary of Deposits are in Estes Park, CO and Niwot, CO; its Estes Park 2 offices book 93% of its branch deposits. Judged on its Q2 2026 call report, Bank of Estes Park meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 255 Park Ln, Estes Park, CO 80517
- County
- Larimer
- Metro Area
- Fort Collins-Loveland, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 18, 1965
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $155.4M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $586K
- Average total assets
- $159.5M
- Average total loans
- $95.4M
- Average interest-bearing deposits
- $123.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 18, 1965
- FDIC Cert
- 19351
- Fed RSSD
- 550354
- Website
- www.bankofestespark.com →
- Parent Holding Company
- FIRST NATIONAL FINANCIAL CORPORATION (RSSD 1051193)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Estes Park reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Estes Park's total assets ran between $140.1M (Q2 2024) and $171.9M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$171.9M total assets against $155.9M; $156.5M total liabilities against $141.0M.
$95.1M net loans and leases against $94.8M; $155.4M total deposits against $139.9M.
$52.3M securities against $35.7M; $17.5M cash and balances due against $18.2M.
$2.1M total interest income against $1.9M; $404K total interest expense against $328K.
$1.7M net interest income against $1.5M.
$110K total noninterest income against $104K; $1.0M total noninterest expense against $989K.
$75K provision for credit losses against $75K.
$685K net income against $583K.
1.72% return on assets against 1.55%; 4.37% net interest margin against 4.38%.
10.84% tier 1 leverage ratio against 11.35%.
Inside the full Bank of Estes Park terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Estes Park rankings
Its closest position to the top of a national ranking is 875 of 3,611, for ROA; its furthest is 3,555 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.20% (Q1 2026) to 1.72% (Q2 2026) and its net interest margin ran from 3.69% (Q3 2024) to 4.46% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.84% | 1.72% | 0.00% | 0.00% | 4.37% |
| Q1 2026 | 10.78% | -0.20% | 0.00% | 0.00% | 4.40% |
| Q4 2025 | 10.79% | 1.25% | 0.60% | 5.88% | 4.46% |
| Q3 2025 | 10.78% | 1.46% | 0.69% | 6.55% | 4.44% |
| Q2 2025 | 11.35% | 1.55% | 0.70% | 6.76% | 4.38% |
| Q1 2025 | 11.25% | 1.25% | 0.74% | 6.95% | 4.22% |
| Q4 2024 | 10.99% | 1.18% | 1.48% | 9.05% | 3.83% |
| Q3 2024 | 11.37% | 0.48% | 1.60% | 8.69% | 3.69% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Estes Park (main office) | Estes Park , CO | 80517 | $107.7M |
| St Vrain Center | Estes Park , CO | 80517 | $36.4M |
| Niwot Branch | Niwot , CO | 80503 | $11.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CO, rank 81 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Estes Park
What are Bank of Estes Park's total assets?
As of the Q2 2026 filing, Bank of Estes Park reported total assets of $171.9 million in its FFIEC call report.
Where is Bank of Estes Park headquartered?
It is headquartered in Estes Park, CO, United States.
When was Bank of Estes Park founded?
It was established in 1965, per the FDIC institution directory.
Is Bank of Estes Park FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19351). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Estes Park?
Bank of Estes Park's primary federal regulator is the FDIC.
How many branches does Bank of Estes Park operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Estes Park's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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