Citywide Banks


1800 Larimer St
Denver, CO 80202
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 2.55% →
1-Year CD 0.01% 2.80% →
2-Year CD 0.01% 3.20% →
5-Year CD 0.01% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Citywide Banks is an FDIC insured institution located in Denver, CO. It was founded in 2006 and has approximately $2.65 billion in assets. Customers can open an account at one of its 32 branches.

FDIC Insured Yes
FDIC Certificate # 58458
Date Established 2006
Assets $ 2.65 billion
Loans $ 1,428.17 million
Deposits $ 2.28 billion
Capital $ 347.34 million

For a more detailed analysis of Citywide Banks's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 10, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
0.01% $2,500 $4,999 Learn More
Money Market
0.01% $2,500 $2,999 Learn More
Money Market
0.01% $10,000 $14,999 Learn More
Money Market
0.01% $25,000 $29,999 Learn More
Premium Money Market Account
0.01% $10,000 $14,999 Learn More
Premium Money Market Account
0.01% $25,000 $34,999 Learn More
6 Mo CD
0.01% $10,000 $14,999 Learn More
6 Mo CD
0.01% $100,000 $199,999 Learn More
12 Mo CD
0.01% $10,000 $14,999 Learn More
12 Mo CD
0.01% $100,000 $199,999 Learn More
18 Mo CD
0.01% $10,000 $14,999 Learn More
18 Mo CD
0.01% $100,000 $199,999 Learn More
24 Mo CD
0.01% $10,000 $14,999 Learn More
24 Mo CD
0.01% $100,000 $199,999 Learn More
36 Mo CD
0.01% $10,000 $14,999 Learn More
36 Mo CD
0.01% $100,000 $199,999 Learn More
48 Mo CD
0.01% $10,000 $14,999 Learn More
48 Mo CD
0.01% $100,000 $199,999 Learn More
60 Mo CD
0.01% $10,000 $14,999 Learn More
60 Mo CD
0.01% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
0.01% $1 $499 Learn MoreShow Less

Loan Rates - August 10, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for Citywide Banks

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
Choicelend Mortgage
NMLS ID: 292770
License#: 01739645
4.454% 4.375%
0.88 points
$2,330 fees
$1,249 Learn More
NMLS ID: 330511
5.329% 5.250%
0.88 points
$2,208 fees
$1,381 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 4.990 %
After Intro: 6.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Citywide Banks
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Citywide Banks branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Citywide Banks Locations

Climate Initiatives

Citywide Banks is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Citywide Banks Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citywide Banks. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citywide Banks U.S. Bank Average
1.34% 4.01%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2022, Citywide Banks had $4,221,000 in non-current loans and $663,000 in owned real estate. To cover these potential losses it had $347,336,000 in equity and $16,577,000 in loans loss reserves. That gives it a Texas Ratio of 1.34%.

Return on Equity
Citywide Banks U.S. Bank Average
8.07% 9.01%

Citywide Banks has a Return on Equity of 8.07% versus the BestCashCow average of 9.01%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Citywide Banks U.S. Bank Average
13.12% 10.66%

Citywide Banks has a Capitalization of 13.12% versus the BestCashCow average of 10.66. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citywide Banks Balance Sheet Analysis

As of March 31, 2022, Citywide Banks had assets of $2,647,931,000, loans of $1,428,165,000, and deposits of $2,275,838,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2022
Cash & Balances due from depository institutions $ 42.03 million
Interest-bearing balances $ 13.44 million
Total securities $ 889.17 million
Federal funds sold and reverse repurchase $ 59.23 million
Net loans and leases $ 1,428.17 million
Loan loss allowance $ 16.58 million
Trading account assets $ 0.80 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.66 million
Goodwill and other intangibles $ 132.89 million
All other assets $ 59.30 million
     Total Assets $ 2.30 billion
Total deposits $ 2.28 billion
      Interest-bearing deposits $ 1,231.81 million
      Deposits held in domestic offices $ 2.28 billion
      % insured (estimated) 50.79%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 0.80 million
Other borrowed funds $ 12.51 million
Subordinated debt N.A.
All other liabilities $ 11.45 million
      Total Liabilities $ 2.30 billion
      Shareholders’ Equity $ 347.34 million

Summary Income Statement

March 31, 2022
Total Interest Income $ 19.63 million
Total Interest Expense $ 0.18 million
Net interest income $ 19.45 million
Provision for loan and lease losses N.A.
Total non interest income $ 2.94 million
Total non interest expense $ 14.62 million
Pre-tax Net Operating Income $ 9.77 million

Bank Loan Profile?

The top three loan types in Citywide Banks’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, Citywide Banks’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.67
Credit Card Loans 0.05
Consumer Auto Loans 0.25
Small Business Loans 7.95
Construction and Development Loans 10.15
Commercial Real Estate 50.62
Commercial and Industrial Loans 19.82
Farm Loans 0.12

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