FlatIrons Bank is a state-chartered bank (fed member) headquartered in Boulder, Colorado, in business for about 25 years. At the end of Q2 2026 it reported $370.3M in total assets and $336.1M in deposits, with 3 offices.
Based on its Q2 2026 filing, FlatIrons Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 33rd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (39/100; 8.88%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (69 → 74), mostly because the earnings component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 60 |
| Q4 2024 | 57 |
| Q1 2025 | 57 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 72 |
| Q1 2026 | 74 |
| Q2 2026 | 74 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.42% |
| Q3 2024 | 8.45% |
| Q4 2024 | 8.24% |
| Q1 2025 | 8.28% |
| Q2 2025 | 8.43% |
| Q3 2025 | 8.63% |
| Q4 2025 | 8.80% |
| Q1 2026 | 9.04% |
| Q2 2026 | 8.88% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.83% |
| Q1 2025 | 1.20% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.91% |
| Q1 2025 | 1.11% |
| Q2 2025 | 0.93% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.20% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $370.3M | 8.88% | 0.00% | 1.51% | 82.0% |
| Q1 2026 | 74 | $358.9M | 9.04% | 0.00% | 1.50% | 78.0% |
| Q4 2025 | 72 | $359.8M | 8.80% | 0.00% | 1.20% | 74.1% |
| Q3 2025 | 70 | $354.3M | 8.63% | 0.00% | 1.12% | 75.9% |
| Q2 2025 | 69 | $386.8M | 8.43% | 0.00% | 0.93% | 70.7% |
| Q1 2025 | 57 | $345.9M | 8.28% | 1.20% | 1.11% | 79.7% |
| Q4 2024 | 57 | $340.1M | 8.24% | 0.83% | 0.91% | 82.3% |
| Q3 2024 | 60 | $331.4M | 8.45% | 0.39% | 0.83% | 93.5% |
| Q2 2024 | 58 | $344.9M | 8.42% | 0.42% | 0.62% | 92.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 5Star BankBank Colorado Springs, CO | 87 out of 100, Very strong | $378.2M | 17.2% | 0.16% | vs |
| Native American Bank, National AssociationBank Denver, CO | 77 out of 100, Strong | $362.0M | 14.4% | 0.94% | vs |
| First FarmBankBank Greeley, CO | 72 out of 100, Strong | $384.4M | 12.3% | 0.88% | vs |
| San Luis Valley Federal BankBank Alamosa, CO | 87 out of 100, Very strong | $390.2M | 18.0% | 0.15% | vs |
| Alamosa State BankBank Alamosa, CO | 89 out of 100, Very strong | $340.3M | 12.9% | 0.00% | vs |
| The Colorado Bank and Trust Company of La JuntaBank La Junta, CO | 69 out of 100, Moderate | $330.3M | 10.3% | 0.30% | vs |
Deposit insurance
Is my money safe at FlatIrons Bank?
Yes. FlatIrons Bank is an FDIC-insured institution (FDIC certificate #57280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.4% of deposits ($58.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.88%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.12% (benchmark: 10%).
3 locations
Branches
FlatIrons Bank lists 2 offices in 2 cities. Most locations:
- Boulder, CO (1)
- Longmont, CO (1)
Identity & history
Profile
- Legal name
- FlatIrons Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 57280
- RSSD ID
- 3022610
- Primary regulator
- FED
- Holding company
- Fbhc Holding Co
- Established
- December 22, 2001
- Headquarters
- 1095 Canyon Blvd, Boulder, CO 80302
- Website
- www.flatirons.bank
- Employees
- 41
Quick answers
FlatIrons Bank: common questions
Is FlatIrons Bank FDIC insured?
Yes. FlatIrons Bank is an FDIC-insured institution (FDIC certificate #57280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is FlatIrons Bank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has FlatIrons Bank ever failed?
There is no failure record for FDIC certificate #57280 in the FDIC failed bank list.
How many branches does FlatIrons Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Boulder
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| AMG National Trust BankBank Boulder, CO | 94 out of 100, Very strong | $722.9M | 15.4% | 0.04% | vs |
| Denver Fire Department Federal Credit UnionCredit union Denver, CO | 89 out of 100, Very strong | $213.5M | 14.2% | 0.09% | vs |
| Transact Bank, National AssociationBank Denver, CO | 86 out of 100, Very strong | $6.5M | 16.3% | 0.00% | vs |
| Affidian Federal Credit UnionCredit union Denver, CO | 85 out of 100, Very strong | $360.1M | 18.9% | 0.85% | vs |
| Adams Bank & TrustBank Ogallala, NE | 82 out of 100, Strong | $1.3B | 14.1% | 0.55% | vs |
| North Valley BankBank Thornton, CO | 80 out of 100, Strong | $268.6M | 13.5% | 0.53% | vs |