Flatirons Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 22.63 percentage points in Q2 2026, from 241.52% to 264.15%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Flatirons Bank is 18th of 63 on return on assets, 1.49% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Flatirons Bank sits 0.23 points higher, at 1.49% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.87% |
| Tier 1 risk-based capital ratio | 12.87% |
| Total risk-based capital ratio | 14.12% |
| Tier 1 leverage ratio | 8.88% |
| Equity capital to assets | 7.77% |
| Tangible equity to tangible assets | 7.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 264.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 19.43% |
| Net interest margin | 4.21% |
| Efficiency ratio | 67.23% |
| Yield on earning assets | 5.85% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.92% |
| Core deposits to total deposits | 72.15% |
| Brokered deposits to total deposits | 23.14% |
| Deposits to assets | 90.77% |
| Securities to assets | 14.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.60% | 11.60% | 12.85% | 8.60% | 0.51% |
| Q4 2023 | 10.96% | 10.96% | 12.21% | 8.64% | 0.53% |
| Q1 2024 | 11.07% | 11.07% | 12.32% | 8.53% | 0.66% |
| Q2 2024 | 10.64% | 10.64% | 11.89% | 8.42% | 0.58% |
| Q3 2024 | 11.05% | 11.05% | 12.30% | 8.45% | 1.20% |
| Q4 2024 | 11.01% | 11.01% | 12.26% | 8.24% | 1.09% |
| Q1 2025 | 11.53% | 11.53% | 12.78% | 8.28% | 1.06% |
| Q2 2025 | 11.80% | 11.80% | 13.05% | 8.43% | 0.81% |
| Q3 2025 | 12.89% | 12.89% | 14.14% | 8.63% | 1.48% |
| Q4 2025 | 13.25% | 13.25% | 14.50% | 8.80% | 1.44% |
| Q1 2026 | 13.10% | 13.10% | 14.35% | 9.04% | 1.52% |
| Q2 2026 | 12.87% | 12.87% | 14.12% | 8.88% | 1.49% |
Flatirons Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Flatirons Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)