CoBiz Bank


1401 Lawrence Street
Denver, CO 80202
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

CoBiz Bank is an FDIC insured institution located in Denver, CO. It was founded in 1978 and has approximately $4.43 billion in assets. Customers can open an account at one of its 20 branches.

FDIC Insured Yes
FDIC Certificate # 22683
Date Established 1978
Assets $ 3.82 billion
Loans $ 2.91 billion
Deposits $ 3.31 billion
Capital $ 989.64 million

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.

Deposit Rates - December 2, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - December 2, 2021

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 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.814% 2.750%
0.88 points
$2,080 fees
$1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$0 Learn More
More Info

Note to CoBiz Bank
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CoBiz Bank Locations

Climate Initiatives

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

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
1.37% 4.78%

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 June 30, 2021, CoBiz Bank had $13,570,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $989,641,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 1.37%.

Return on Equity
CoBiz Bank U.S. Bank Average
12.44% 11.29%

CoBiz Bank has a Return on Equity of 12.44% versus the BestCashCow average of 11.29%. 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
25.91% 11.72%

CoBiz Bank has a Capitalization of 25.91% versus the BestCashCow average of 11.72. 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 December 31, 2018, CoBiz Bank had assets of $4,433,696,000, loans of $2,913,984,000, and deposits of $3,314,954,000. 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, 2021
Cash & Balances due from depository institutions $ 80.52 million
Interest-bearing balances $ 21.14 million
Total securities $ 104.55 million
Federal funds sold and reverse repurchase $ 542.50 million
Net loans and leases $ 2.91 billion
Loan loss allowance N.A.
Trading account assets $ 3.22 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 694.38 million
All other assets $ 89.57 million
     Total Assets $ 3.44 billion
Total deposits $ 3.31 billion
      Interest-bearing deposits $ 1,815.14 million
      Deposits held in domestic offices $ 3.31 billion
      % insured (estimated) 37.93%
Federal funds purchased and repurchase agreements $ 31.95 million
Trading liabilities $ 3.38 million
Other borrowed funds N.A.
Subordinated debt $ 65.00 million
All other liabilities $ 28.77 million
      Total Liabilities $ 3.44 billion
      Shareholders’ Equity $ 375.49 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 47.23 million
Total Interest Expense $ 3.57 million
Net interest income $ 43.66 million
Provision for loan and lease losses N.A.
Total non interest income $ 3.04 million
Total non interest expense $ 25.28 million
Pre-tax Net Operating Income $ 21.41 million

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, CoBiz Bank’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 10.76
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 5.21
Construction and Development Loans 7.98
Commercial Real Estate 37.93
Commercial and Industrial Loans 22.56
Farm Loans 0.00

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