Flatirons Bank
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Data as of · sourced from FFIEC call reports. How we update
Flatirons Bank is an FDIC-insured commercial bank headquartered in Boulder, CO, established in 2001 (FDIC certificate 57280), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $370.3M, down 4.3% from Q2 2025, the 29th largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 12.87% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57280
- Headquarters
- Boulder, CO
- Established
- 2001
- Total assets, Q2 2026
- $370.3M
- Assets vs Q2 2025
- -4.3%
- CET1 ratio, Q2 2026
- 12.87%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 107006839
- Latest call report
- Q2 2026, FFIEC 051 · Flatirons Bank call report
- Holding company
- FBHC HOLDING COMPANY
- Asset rank in state
- 29th of 63 in Colorado
Flatirons Bank, based in Boulder, Colorado, reported $370 million in assets at June 30, 2026, down 4.3% 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 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also lost 6.3% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Earnings jumped: net income for the quarter was $1.4 million, 93% above the same quarter a year earlier. Over the same year, loans grew 8.6% and deposits shrank 6.3%. Where it has less room is capital: it funds 8.88% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Flatirons Bank reported a CET1 capital ratio of 12.87%, a return on assets of 1.49%, 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.
By total assets at Q2 2026, Flatirons Bank is the 29th largest of the 63 banks headquartered in Colorado. Between Q1 2026 and Q2 2026, its total assets rose 3.2% to $370.3M, loans rose 8.4% and deposits rose 3.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 55.6% of total loans, followed by non-owner-occupied commercial real estate loans at 15.9%. Its 2 offices in the FDIC Summary of Deposits are in Boulder, CO and Longmont, CO; its Boulder office books 87% of its branch deposits. Judged on its Q2 2026 call report, Flatirons Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1095 Canyon Blvd, Boulder, CO 80302
- County
- Boulder
- Metro Area
- Boulder, CO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 22, 2001
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $336.1M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $371.9M
- Average total loans
- $260.3M
- Average interest-bearing deposits
- $296.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 22, 2001
- FDIC Cert
- 57280
- Fed RSSD
- 3022610
- SEC CIK
- 1448675 → filed by FBHC HOLDING COMPANY
- Website
- www.flatirons.bank →
- Parent Holding Company
- FBHC HOLDING COMPANY (RSSD 3700936)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Flatirons Bank's total assets ranged from $311.9M (Q3 2023) to $386.8M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$370.3M total assets against $386.8M; $341.5M total liabilities against $362.9M.
$275.5M net loans and leases against $253.4M; $336.1M total deposits against $358.6M.
$53.6M securities against $50.2M; $28.5M cash and balances due against $74.6M.
$5.3M total interest income against $4.9M; $1.5M total interest expense against $1.6M.
$3.8M net interest income against $3.3M.
$1.2M total noninterest income against $188K; $3.3M total noninterest expense against $2.3M.
$193K provision for credit losses against $510K.
$1.4M net income against $718K.
1.49% return on assets against 0.81%; 4.21% net interest margin against 3.89%.
12.87% CET1 capital ratio against 11.80%; 8.88% tier 1 leverage ratio against 8.43%.
Inside the full Flatirons Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFlatirons Bank rankings
Its closest position to the top of a national ranking is 1,335 of 3,611, for ROA; its furthest is 3,438 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.81% (Q2 2025) to 1.52% (Q1 2026) and its net interest margin ran from 3.37% (Q3 2024) to 4.21% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.87% | 1.49% | 0.00% | 0.00% | 4.21% |
| Q1 2026 | 13.10% | 1.52% | 0.00% | 0.00% | 3.80% |
| Q4 2025 | 13.25% | 1.44% | 0.00% | 0.00% | 3.91% |
| Q3 2025 | 12.89% | 1.48% | 0.00% | 0.00% | 3.82% |
| Q2 2025 | 11.80% | 0.81% | 0.00% | 0.00% | 3.89% |
| Q1 2025 | 11.53% | 1.06% | 1.20% | 11.39% | 3.50% |
| Q4 2024 | 11.01% | 1.09% | 0.83% | 8.33% | 3.46% |
| Q3 2024 | 11.05% | 1.20% | 0.39% | 3.86% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Flatirons Bank (main office) | Boulder , CO | 80302 | $292.2M |
| Longmont Branch | Longmont , CO | 80501 | $43.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CO, rank 49 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 22 applications, 17 loans originated, $15.8M originated, across 5 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.3M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Flatirons Bank
What are Flatirons Bank's total assets?
As of the Q2 2026 filing, Flatirons Bank reported total assets of $370.3 million in its FFIEC call report.
Where is Flatirons Bank headquartered?
It is headquartered in Boulder, CO, United States.
When was Flatirons Bank founded?
It was established in 2001, per the FDIC institution directory.
Is Flatirons Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Flatirons Bank?
Flatirons Bank's primary federal regulator is the Federal Reserve.
What is Flatirons Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.87% in its Q2 2026 call report, above regulatory requirements.
How many branches does Flatirons Bank 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 Flatirons Bank'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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