Flatirons Bank
Flatirons Bank is a privately held, FDIC-insured community bank founded in 2001 in Boulder, Colorado, serving individuals, small to medium businesses, nonprofits, and commercial borrowers in Boulder County through two branches and full-service digital banking.
- Company typePrivate
- Founded2001
- HeadquartersBoulder, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
Flatirons Bank firmographics
Firmographics- Name
- Flatirons Bank
- Legal name
- Flatirons Bank
- Website
- https://flatirons.bank
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Flatirons Bank is a privately held, FDIC-insured community bank founded in 2001 in Boulder, Colorado, serving individuals, small to medium businesses, nonprofits, and commercial borrowers in Boulder County through two branches and full-service digital banking.
- Ownership category
- akta.pro rank
Flatirons Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (52218)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
Keywords
Where Flatirons Bank is headquartered
LocationHeadquarters
- HQ city
- Boulder
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Flatirons Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Net Interest Income: Interest income from lending activities including commercial loans, personal loans, and mortgages. Interest expense paid on deposits. Core revenue driver for community bank.
- Banking Fees and Service Charges: Account maintenance fees, overdraft fees, wire transfer fees, ATM fees, safe deposit box rentals, research fees, and other transaction-based charges.
- Treasury Management Services: Cash management, merchant services, ACH processing, remote deposit capture, wire transfers, business credit cards, and analysis services for commercial clients.
- Deposit Account Fees: Monthly maintenance fees on certain accounts, debit card fees, and analysis service charges for commercial accounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Small Business Checking - $10/month maintenance (waived with $3,500 average balance) |
| Subscription | Monthly | Flatirons Business Checking - $15/month maintenance (waived with $25,000 average balance) |
| Subscription | Monthly | Premier Commercial Checking - $30/month maintenance (offset by earnings credit) |
| Subscription | Monthly | Personal Money Market - Competitive tiered rates |
| Other | Multi-year contract | CD Rates - 3 to 24 month terms |
| Transaction based/ take rate | Pay-as-you-go | Wire Transfer Fees |
| Transaction based/ take rate | Pay-as-you-go | Overdraft and Returned Item Fees |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Flatirons Bank product offering
Product offeringCore offering
Flatirons Bank is a locally chartered community bank providing business banking, personal banking, and mortgage lending products to individuals, small-to-medium businesses, nonprofits, and commercial borrowers in Boulder County, Colorado. Its offerings include checking, savings, money market, and certificate of deposit accounts, commercial and consumer loans, treasury management, merchant services, and digital banking through online and mobile channels.
Product overview
Flatirons Bank offers a comprehensive suite of banking products organized around business and personal banking categories. The business banking portfolio includes Small Business Checking, Flatirons Business Checking, Premier Commercial Checking, Nonprofit Checking with Interest, and Health Savings Accounts as core checking and savings products, complemented by Business Savings, Business Money Market, Business Certificates of Deposit, and Institutional Savings Solutions for savings needs. Business lending products include Commercial Lines of Credit, Working Capital Loans, and Equipment Financing. Treasury and cash management services are centralized under Business Treasury Services - Cash Management, which integrates ACH payments, Bill Pay, Wire Transfers, Remote Deposit Capture, Business Online Banking, Merchant Services (including Clover POS integration), and Business Credit Cards. The digital banking platform is anchored by Online & Mobile Banking with companion services including Online Bill Pay, Electronic Statements, and Remote Deposit Capture. Personal banking products feature Longs Peak Checking, Money Market, Bear Peak Savings, Junior Ranger Savings accounts, and Mortgage & Real Estate Loans. The bank positions itself as Boulder County's locally chartered community bank focused on personalized service.
Differentiator
Problem solved
Functional benefit
Products and services
- Small Business Checking
- Flatirons Business Checking
- Premier Commercial Checking
- Nonprofit Checking with Interest
- Health Savings Account (HSA)
- Business Savings
- Business Money Market
- Business Certificates of Deposit
- Institutional Savings Solutions
- Commercial Lines of Credit
- Working Capital Loans
- Equipment Financing
- Business Treasury Services - Cash Management
- Business Credit Cards
- Merchant Services
- Online & Mobile Banking
- Online Bill Pay
- Remote Deposit Capture
- Electronic Statements
- Longs Peak Checking
- Money Market (Personal)
- Bear Peak Savings
- Junior Ranger Savings
- Mortgage & Real Estate Loans
Quantifiable outcome
- Over 1,000 volunteer hours donated to Boulder County nonprofits by employees
- +1 more outcomes
Companies that use Flatirons Bank
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
Flatirons Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature1 record
Flatirons Bank partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights5 records
Flatirons Bank competitors and assessment
Company assessmentBroad incumbents
- Glacier Bancorp: Multi-state community bank holding company operating banks across the Western U.S. Provides comparable community banking products but at much larger scale and broader geographic footprint than Flatirons Bank.
- Independent Bank Group: Texas-headquartered community bank holding company operating multiple bank charters across several states. Comparable community bank operating model but with materially larger scale and geographic diversification.
Direct peers
- Elevations Credit Union: Boulder-headquartered credit union serving the same Boulder County geography with comparable consumer and business deposit, lending, and mortgage products. Directly overlaps Flatirons Bank's primary market with similar community-focused positioning.
- FirstBank (Lakewood, CO): Colorado's largest locally owned bank offering consumer and commercial banking across the Front Range. Competes with Flatirons Bank for SMB and consumer deposits in the broader Boulder-Denver corridor with a similar community banking brand.
- Premier Members Credit Union: Boulder-headquartered credit union serving individuals and businesses across Boulder County. Directly competes with Flatirons Bank for the same local deposit and small business banking customers.
- Bank of Colorado: Fort Lupton, Colorado-headquartered community bank within the Heartland Financial/First Financial network, providing consumer and commercial banking across Colorado. Comparable community bank franchise competing for similar SMB and consumer customers in Colorado markets.
- Adams Bank & Trust: Colorado and Nebraska community bank offering personal and business banking, agricultural lending, and treasury services. Operates with a similar small-town, relationship-driven community bank model to Flatirons Bank.
- Alpine Bank (Colorado): Employee-owned Colorado community bank providing personal and business banking across the Western Slope and Front Range. Closely mirrors Flatirons Bank's community banking model and locally rooted, relationship-driven approach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Flatirons Bank social profiles
Digital presenceFlatirons Bank compliance and trust
Trust signalCompliance1 record
Flatirons Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Flatirons Bank leadership team
Management profileNumber of profiles
Profiles2 records
Flatirons Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Flatirons Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Flatirons Bank
What does Flatirons Bank do?
Flatirons Bank is a locally chartered community bank providing business banking, personal banking, and mortgage lending products to individuals, small-to-medium businesses, nonprofits, and commercial borrowers in Boulder County, Colorado. Its offerings include checking, savings, money market, and certificate of deposit accounts, commercial and consumer loans, treasury management, merchant services, and digital banking through online and mobile channels.
Is Flatirons Bank a public or private company?
Flatirons Bank is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Flatirons Bank founded?
Flatirons Bank was founded in 2001. It employs 11 to 50 people.
Where is Flatirons Bank based?
Flatirons Bank is headquartered in Boulder, United States, in the North America region.
How does Flatirons Bank make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are banking Fees and Service Charges, treasury Management Services and deposit Account Fees.
Who are Flatirons Bank's main competitors?
Broad incumbents on record are Glacier Bancorp and Independent Bank Group. Direct peers are Elevations Credit Union, FirstBank (Lakewood, CO), Premier Members Credit Union, Bank of Colorado, Adams Bank & Trust and Alpine Bank (Colorado).
Does Flatirons Bank have an API?
No public API is recorded for Flatirons Bank.
What industry is Flatirons Bank in?
Flatirons Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks). Its NAICS code is 52211 and its SIC code is 6022.