CoBiz Bank

1401 Lawrence Street
Denver, CO 80202


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 22683
Date Established 1978
Assets $3.85 billion
Loans $3.03 billion
Deposits $3.16 billion
Capital $0.37 billion

CoBiz Bank is an FDIC insured institution located in Denver, CO. It was founded in 1978 and has approximately $3.85 billion in assets. Customers can open an account at one of its 20 branches.

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

Bank Loan Profile?

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

Compared to other banks in Colorado, CoBiz Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 11.26
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 5.05
Construction and Development Loans 7.38
Commercial Real Estate 37.80
Commercial and Industrial Loans 23.49
Farm Loans 0.00

Deposit Rates - October 15, 2018

Your Current Location: Virginia, VA 20146

There are currently no rates available for Cobiz Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - October 15, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CoBiz Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
PenFed Credit Union
NMLS ID: 401822
4.836% 4.750% 0.00 $2,500 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to CoBiz Bank
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CoBiz Bank Locations

Financial Details

CoBiz Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CoBiz Bank. 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
CoBiz Bank U.S. Bank Average
4.16% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2018, CoBiz Bank had $16,740,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $367,112,000 in equity and $35,566,000 in loans loss reserves. That gives it a Texas Ratio of 4.16%.

Return on Equity
CoBiz Bank U.S. Bank Average
14.9% 9.77%

CoBiz Bank has a Return on Equity of 14.9% versus the BestCashCow average of 9.77%. 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.

CoBiz Bank U.S. Bank Average
9.54% 12.31%

CoBiz Bank has a Capitalization of 9.54% versus the BestCashCow average of 12.31. 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.

CoBiz Bank Balance Sheet Analysis

As of June 30, 2018, CoBiz Bank had assets of $3,849,505,000, loans of $3,025,062,000, and deposits of $3,157,967,000. 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

June 30, 2018
Cash & Balances due from depository institutions $0.08 billion
Interest-bearing balances $0.02 billion
Total securities $0.63 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $3.03 billion
Loan loss allowance $0.04 billion
Trading account assets $0.01 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.10 billion
     Total Assets $3.48 billion
Total deposits $3.16 billion
      Interest-bearing deposits $1.70 billion
      Deposits held in domestic offices $3.16 billion
      % insured (estimated) 36.56%
Federal funds purchased and repurchase agreements $0.04 billion
Trading liabilities $0.01 billion
Other borrowed funds $0.19 billion
Subordinated debt $0.07 billion
All other liabilities $0.02 billion
      Total Liabilities $3.48 billion
      Shareholders’ Equity $0.37 billion

Summary Income Statement

June 30, 2018
Total Interest Income $0.08 billion
Total Interest Expense $0.01 billion
Net interest income $0.07 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.05 billion
Pre-tax Net Operating Income $0.03 billion

Frequently Asked Questions About Cobiz Bank

Branches and Savings

Is Cobiz Bank FDIC insured?

Yes. It is covered under FDIC Certificate #22683.

Why does Cobiz Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cobiz Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cobiz Bank a commercial bank?


Where are Cobiz Bank locations?

See branch locations nearby.

Is Cobiz Bank open on Saturdays?

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Are Cobiz Bank ATMs Open 24/7?

Do Cobiz Bank ATMs accept cash deposits?

Can Cobiz Bank customers use other ATMs?

Do Cobiz Bank branches have notaries?

Will Cobiz Bank notarize my document?

What address for Cobiz Bank should I put for incoming ACH transfers?

Will the Cobiz Bank branch print checks?

Do Cobiz Bank checks expire?

Does Cobiz Bank require US citizenship to open account?

Can Cobiz Bank close my account?

Does Cobiz Bank Report to credit bureaus?

Does Cobiz Bank Use Equifax?

What is Cobiz Bank's ACH Routing Number?

What is Cobiz Bank's SWIFT code?


Does Cobiz Bank offer mortgages?

Compare mortgage rates here.

Does Cobiz Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cobiz Bank offer personal loans?

Compare personal loan rates here.

Does Cobiz Bank offer student loans?

Will Cobiz Bank cash a check?

Will Cobiz Bank redeem a savings bond?

Does Cobiz Bank cash savings bonds?

Will Cobiz Bank cash money orders?

Can Cobiz Bank issue a money order?

Does Cobiz Bank do currency exchange?

Background on The Bank

Who owns Cobiz Bank?

How long has Cobiz Bank been around?

Can Cobiz Bank transfer to other banks?

Does Cobiz Bank have quick pay?

Does Cobiz Bank accept rolled coins?

Will Cobiz Bank accept loose change?

Where is Cobiz Bank headquarters?

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