Bankers Bank of the West
Denver, Colorado · FDIC Cert #23210
Bankers Bank of the West is an FDIC-insured bank (Certificate #23210) with $416M in total assets and $231M in total deposits as of the Q2 2024 Call Report. Headquartered in Denver, Colorado, the bank maintains a Tier 1 capital ratio of 13.82% (Well-Capitalized) and a nonperforming loan ratio of 0.47%. BankHealthData assigns a composite Health Grade of B (76/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bankers Bank of the West (FDIC cert 23210) is a community bank — $416M in total assets, $231M in deposits, serving the Denver, Colorado area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.82% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.47% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 11.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 2.42% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bankers Bank of the West carries a composite BankHealth grade of B (76/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bankers Bank of the West
- Total Assets
- $416M
- Total Deposits
- $231M
- Tier 1 Capital Ratio
- 13.82%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.47%
- Liquidity Ratio
- 11.87%
- Return on Assets
- 2.42%
- Headquarters
- Denver, Colorado
- FDIC Certificate
- #23210
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bankers Bank of the West holds a Tier 1 capital ratio of 13.82%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bankers Bank of the West has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bankers Bank of the West shows strong financial health indicators. With $416M in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bankers Bank of the West Compares
Bankers Bank of the West’s Health Score of 76 is 5 points above the Colorado state average of 71 across 62 FDIC-insured banks. Its 13.82% Tier 1 capital ratio is 0.2 points below the US banking industry average near 14%. The 0.47% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.42% is in line with or above the national ROA benchmark of ~1.1%. Among 1519 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Bankers Bank of the West is 6 points above the portfolio average of 70.
Frequently Asked Questions
Bankers Bank of the West has a Bank Health Score of B (76/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.82%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bankers Bank of the West's Tier 1 capital ratio of 13.82% and nonperforming loan ratio of 0.47% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bankers Bank of the West is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #23210). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bankers Bank of the West holds $416M in total assets and $231M in total deposits. It is headquartered in Denver, Colorado (FDIC Certificate #23210).
Bankers Bank of the West has a Tier 1 capital ratio of 13.82%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.47%, and the return on assets is 2.42%.
Yes. Bankers Bank of the West is FDIC-insured (Certificate #23210). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bankers Bank of the West's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.