This institution is no longer active

Operations ceased on January 28, 2011. CRA examination history below reflects the period it was active.

FIRSTIER BANK

LOUISVILLE, CO · Supervised by FDIC

Est. 2003FDIC #57,646RSSD: FDIC-57646

Part ofFIRSTIER BCORP→ View all charters

Satisfactory Same

Current rating · Exam: April 2009

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.44%

Institution Profile

FDIC BankFind

Address

980 Dillon Road, LOUISVILLE, CO

County

Boulder County

Established

November 14, 2003

Total Assets

$764M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2009

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2010Call Report / FDIC

Total Assets

$764M

Total Deposits

$719M

Net Loans

$523M

Net Income

$-28,303K

ROA

-3.44%

ROE

-164.78%

Risk-Based Capital

-0.40%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate18.67%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	75	65.33%	18.67%
2023	90	77.78%	10.00%
2019	93	63.44%	20.43%
2018	81	71.6%	14.81%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2006

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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