Flatirons Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Flatirons Bank of Boulder, CO against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.49% | 1.25% | +0.24% | 62nd above |
| ROAE | 19.43% | 13.17% | +6.26% | 85th top |
| Net Interest Margin | 4.21% | 3.95% | +0.26% | 65th above |
| Efficiency Ratio | 67.23% | 61.50% | +5.73% | 33rd below |
| PPNR / Avg Assets | 1.70% | — | — | 56th above |
| Yield on Earning Assets | 5.85% | 5.67% | +0.18% | 61st above |
| Cost of Funds | 1.70% | 1.87% | -0.17% | 56th above |
| Net Interest Spread | 3.70% | — | — | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 0.93% | -0.50% | 48th below |
| NPA / Total Assets | 0.33% | — | — | 49th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 87th top |
| ACL / Total Loans | 1.14% | — | — | 43rd below |
| ACL / NPLs (Coverage) | 264.15% | — | — | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 0.00% | 6.06% | -6.06% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.87% | 17.18% | -4.31% | 26th below |
| Tier 1 Ratio | 12.87% | 17.21% | -4.34% | 25th below |
| Total Capital Ratio | 14.12% | — | — | 27th below |
| Leverage Ratio | 8.88% | 11.75% | -2.87% | 10th bottom |
| Equity / Assets | 7.77% | 10.98% | -3.21% | 11th bottom |
| TCE / Tangible Assets | 7.77% | — | — | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.92% | 80.44% | +2.48% | 45th below |
| Core Deposit Ratio | 72.15% | 86.95% | -14.80% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.26% | — | — | 5th bottom |
| Loan Growth (Y/Y) | 8.61% | — | — | 67th above |
| Deposit Growth (Y/Y) | -6.28% | — | — | 5th bottom |
See Flatirons Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Flatirons Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Flatirons Bank profile, how to read a UBPR, or how this data updates.