Redstone Bank

15765 East Arapahoe Road
Centennial, CO 80016


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58826
Date Established 2008
Assets $0.16 billion
Loans $0.09 billion
Deposits $0.14 billion
Capital $0.02 billion

Redstone Bank is an FDIC insured institution located in Centennial, CO. It was founded in 2008 and has approximately $0.16 billion in assets.

For a more detailed analysis of Redstone 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 Redstone Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Colorado, Redstone Bank has a significantly higher percent of Construction and Development 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 27.35
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 10.25
Construction and Development Loans 21.10
Commercial Real Estate 35.97
Commercial and Industrial Loans 10.91
Farm Loans 1.66

Deposit Rates - May 25, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $100 $9,999 Learn MoreShow Less
Money Market
0.20% $10,000 $49,999 Learn MoreShow Less
3 Mo CD
0.45% $500 $249,999 Learn MoreShow Less
6 Mo CD
0.60% $500 $249,999 Learn MoreShow Less
Special: 7 Mo CD
2.22% $5,000 - Learn MoreShow Less
12 Mo CD
0.75% $500 $249,999 Learn MoreShow Less
18 Mo CD
0.75% $500 $249,999 Learn MoreShow Less
Special: 19 Mo CD
2.67% $5,000 $250,000 Learn MoreShow Less
24 Mo CD
1.15% $500 $249,999 Learn MoreShow Less
36 Mo CD
1.35% $500 $249,999 Learn MoreShow Less
48 Mo CD
1.51% $500 $249,999 Learn MoreShow Less
60 Mo CD
1.76% $500 $249,999 Learn MoreShow Less

Fixed IRA
0.75% $500 $249,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $100 - Learn MoreShow Less

Loan Rates - May 25, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Redstone 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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.902% 3.875% 0.38 $832 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Redstone Bank
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Financial Details

Redstone Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Redstone 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
Redstone Bank U.S. Bank Average
0% 6.97%

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 December 31, 2018, Redstone Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $24,804,000 in equity and $250,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Redstone Bank U.S. Bank Average
1.63% 8.80%

Redstone Bank has a Return on Equity of 1.63% versus the BestCashCow average of 8.80%. 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.

Redstone Bank U.S. Bank Average
15.35% 12.29%

Redstone Bank has a Capitalization of 15.35% versus the BestCashCow average of 12.29. 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.

Redstone Bank Balance Sheet Analysis

As of December 31, 2018, Redstone Bank had assets of $161,580,000, loans of $90,122,000, and deposits of $135,205,000. 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

December 31, 2018
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.00 billion
     Total Assets $0.14 billion
Total deposits $0.14 billion
      Interest-bearing deposits $0.10 billion
      Deposits held in domestic offices $0.14 billion
      % insured (estimated) 59.38%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.14 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $-0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Redstone Bank

Branches and Savings

Is Redstone Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58826.

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

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

Why are Redstone Bank CD rates not competitive?

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

Is Redstone Bank a commercial bank?


Where are Redstone Bank locations?

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Is Redstone Bank open on Saturdays?

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Does Redstone Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Redstone Bank offer personal loans?

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Does Redstone Bank offer student loans?

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Background on The Bank

Who owns Redstone Bank?

How long has Redstone Bank been around?

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Does Redstone Bank have quick pay?

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