Flatirons Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 26.91 percentage points in Q2 2026, from 213.03% to 186.12%. It was the largest change from Q1 2026 among the key lines here. Flatirons Bank ranks 30th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 82.92% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Flatirons Bank reported 82.92% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $278.7M |
| Net loans and leases | $275.5M |
| Loans held for sale | $0 |
| Loans to total assets | 75.26% |
| Loan-to-deposit ratio | 82.92% |
| Net loans to equity capital | 9.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.58% |
| Multifamily (5+ residential) | 3.60% |
| Commercial and industrial | 8.61% |
| Consumer | 0.22% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 186.12% |
| Construction concentration (Tier 1 capital + allowance) | 36.06% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.89% |
| Interest income on loans | $4.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $247.4M | $250.2M | 34.40% | 10.89% | 0.17% |
| Q4 2023 | $252.3M | $263.2M | 33.41% | 13.53% | 0.17% |
| Q1 2024 | $254.0M | $272.4M | 34.04% | 13.08% | 0.19% |
| Q2 2024 | $274.1M | $294.0M | 31.63% | 11.39% | 0.36% |
| Q3 2024 | $265.9M | $281.1M | 32.49% | 11.12% | 0.19% |
| Q4 2024 | $260.7M | $312.8M | 33.01% | 12.68% | 0.09% |
| Q1 2025 | $257.1M | $318.1M | 33.11% | 12.23% | 0.18% |
| Q2 2025 | $256.6M | $358.6M | 31.94% | 11.21% | 0.22% |
| Q3 2025 | $248.4M | $323.4M | 34.00% | 11.29% | 0.20% |
| Q4 2025 | $245.6M | $327.4M | 33.16% | 9.59% | 0.23% |
| Q1 2026 | $257.2M | $325.9M | 31.73% | 8.98% | 0.24% |
| Q2 2026 | $278.7M | $336.1M | 26.58% | 8.61% | 0.22% |
Flatirons Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Flatirons Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Flatirons Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57280) · FFIEC NIC profile (RSSD 3022610)