🏦Bank Scorer

This institution is no longer active

Operations ceased on February 1, 2025. CRA examination history below reflects the period it was active.

HTLF BANK

DENVER, CO · Supervised by FDIC

Est. 2006FDIC #58,458RSSD: FDIC-58458
Part ofHEARTLAND FINANCIAL USA INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.06%

Institution Profile

FDIC BankFind

Address

1800 Larimer St, DENVER, CO

County

Denver County

Established

November 1, 2006

Total Assets

$17.2B(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

March 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2024Call Report / FDIC

Total Assets

$17.2B

Total Deposits

$14.9B

Net Loans

$11.1B

Net Income

$197M

ROA

1.06%

ROE

9.58%

Risk-Based Capital

14.92%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

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

Mortgage Denial Rate40.36%Peer avg: 26.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,79950.81%40.36%
20232,92654.92%32.43%
20222,03562.6%29.43%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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