Redstone Bank
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Data as of · sourced from FFIEC call reports. How we update
Redstone Bank is an FDIC-insured commercial bank headquartered in Centennial, CO, established in 2008 (FDIC certificate 58826), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $298.2M, up 15.0% from Q2 2025, the 35th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.98% 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
- 58826
- Headquarters
- Centennial, CO
- Established
- 2008
- Total assets, Q2 2026
- $298.2M
- Assets vs Q2 2025
- +15.0%
- Tier 1 leverage ratio, Q2 2026
- 11.98%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 107007391
- Holding company
- MIDWEST BANC HOLDING CO.
- Asset rank in state
- 35th of 63 in Colorado
Redstone Bank, based in Centennial, Colorado, reported $298 million in assets at June 30, 2026, up 15.0% 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 grew deposits 15.6% over the year, 3.9 times the median of 4.0% for banks its size.
Earnings jumped: net income for the quarter was $405,000, 47% above the same quarter a year earlier. Over the same year, loans grew 2.2% and deposits grew 15.6%. Profitability lags: it returns 4.7% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, Redstone Bank reported a return on assets of 0.58%, 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.
Redstone Bank ranks as the 35th largest of the 63 banks based in Colorado, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.2% to $298.2M, loans rose 0.1% and deposits fell 2.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 31.2% of total loans, followed by 1-4 family residential loans at 25.4%. The FDIC Summary of Deposits lists 3 offices for it, in Centennial, CO, Parker, CO and Littleton, CO; its Centennial office books 63% of its branch deposits. Judged on its Q2 2026 call report, Redstone Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 15765 E Arapahoe Rd, Centennial, CO 80016
- County
- Arapahoe
- Metro Area
- Denver-Aurora-Centennial, 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 051
- Established
- July 2, 2008
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $262.7M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $276.9M
- Average total loans
- $170.1M
- Average interest-bearing deposits
- $208.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 2, 2008
- FDIC Cert
- 58826
- Fed RSSD
- 3591004
- Website
- www.redstone.bank →
- Parent Holding Company
- MIDWEST BANC HOLDING CO. (RSSD 1064652)
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, Redstone Bank 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, Redstone Bank's total assets ran between $235.9M (Q4 2024) and $304.7M (Q1 2026), 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
$298.2M total assets against $259.2M; $263.6M total liabilities against $228.0M.
$170.9M net loans and leases against $167.2M; $262.7M total deposits against $227.2M.
$47.5M securities against $50.0M; $49.4M cash and balances due against $20.5M.
$4.1M total interest income against $3.6M; $1.6M total interest expense against $1.4M.
$2.5M net interest income against $2.2M.
$81K total noninterest income against $102K; $2.0M total noninterest expense against $2.0M.
$0 provision for credit losses against $0.
$405K net income against $275K.
0.58% return on assets against 0.44%; 3.59% net interest margin against 3.93%.
11.98% tier 1 leverage ratio against 12.37%.
Inside the full Redstone Bank 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.
Redstone Bank rankings
Its closest position to the top of a national ranking is 2,468 of 4,196, for total assets; its furthest is 3,474 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.44% (Q2 2025) to 0.82% (Q4 2025) and its net interest margin ran from 3.44% (Q1 2026) to 4.14% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.98% | 0.58% | 0.00% | 0.00% | 3.59% |
| Q1 2026 | 11.82% | 0.56% | 0.00% | 0.00% | 3.44% |
| Q4 2025 | 10.88% | 0.82% | 0.00% | 0.00% | 4.14% |
| Q3 2025 | 11.61% | 0.53% | 1.19% | 0.76% | 3.78% |
| Q2 2025 | 12.37% | 0.44% | 1.21% | 0.79% | 3.93% |
| Q1 2025 | 12.71% | 0.57% | 1.33% | 1.73% | 4.02% |
| Q4 2024 | 11.64% | 0.44% | 1.34% | 1.83% | 3.60% |
| Q3 2024 | 11.26% | 0.56% | 1.38% | 1.88% | 3.61% |
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 |
|---|---|---|---|
| Redstone Bank (main office) | Centennial , CO | 80016 | $165.3M |
| Redstone Bank Parker Branch | Parker , CO | 80134 | $67.3M |
| Littleton Branch | Littleton , CO | 80120 | $30.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CO, rank 62 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K 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, 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 Redstone Bank
What are Redstone Bank's total assets?
As of the Q2 2026 filing, Redstone Bank reported total assets of $298.2 million in its FFIEC call report.
Where is Redstone Bank headquartered?
It is headquartered in Centennial, CO, United States.
When was Redstone Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Redstone Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58826). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Redstone Bank?
Redstone Bank's primary federal regulator is the FDIC.
How many branches does Redstone 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 Redstone 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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