Bank of Colorado
Bank of Colorado reported total assets of $7.6 bn at Q2 2026, up 4.4% on a year earlier, the 205th largest of 497 banks in our US coverage. The CET1 capital ratio at Bank of Colorado was 14.74%, and the uninsured share of Bank of Colorado was 37.66%. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, Bank of Colorado climbed from 422nd to 277th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Bank of Colorado reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.10% at , where the median of the 339 banks is 0.58% (FDIC Call Reports).
- Over the year to , the net interest margin of Bank of Colorado rose by 0.72 pp to 3.56%, a bigger rise than at 97% of covered banks (FDIC Call Reports).
What sets Bank of Colorado apart
How large is Bank of Colorado?
The balance sheet of Bank of Colorado at : assets $7.6 bn, deposits $6.6 bn, net loans $5.3 bn (loans equal to 80.19% of deposits). Securities make up 22.9% of total assets at Bank of Colorado. Since , when Bank of Colorado held $3.0 bn, its assets grew 151.6%. In the year to , deposits at Bank of Colorado rose 4.1% while its total assets rose 4.4%. At , Bank of Colorado employed 742 full-time equivalent staff across 60 offices, about $10.3 mn of assets per employee and $110.5 mn of deposits per office.
How much funding at Bank of Colorado is uninsured?
At Bank of Colorado, uninsured deposits (above the FDIC limit) made up 37.66% of domestic deposits at (+9.88 pp on a year earlier); Bank of Colorado ranks 221st of 500 on this measure. In dollars, Bank of Colorado estimated $2.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $6.6 bn | +4.1% | 194th of 499 |
| Net loans and leases | $5.3 bn | +8.7% | 200th of 500 |
| Loan-to-deposit ratio | 80.19% | +3.41 pp | 338th of 500 |
| Tier 1 leverage ratio | 10.53% | +0.63 pp | 223rd of 500 |
| Total risk-based capital ratio | 15.99% | +0.00 pp | 122nd of 448 |
| Net interest margin | 3.56% | +0.72 pp | 277th of 500 |
| Return on assets (ROA) | 1.35% | +0.43 pp | 222nd of 500 |
| Efficiency ratio | 51.77% | -8.21 pp | 169th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $62.4 mn | Narrowed by $27.6 mn | |
| Noncurrent loans to total loans | 0.10% | +0.04 pp | 37th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | +0.00 pp | 105th of 500 (1 = lowest) |
US rank of Bank of Colorado: 1 = highest unless marked 1 = lowest.
Balance sheet
Bank of Colorado: assets, deposits and loans
- Total assets $7.6bn
- Deposits $6.6bn
- Net loans $5.3bn
Capital and securities
The CET1 ratio of Bank of Colorado stood at 14.74% in , 0.00 pp year on year. Low and high at Bank of Colorado since : 11.93% () to 14.74% (). Equity capital of Bank of Colorado at : $776.5 mn, or 10.2% of total assets. Bank of Colorado also reported a total capital ratio of 15.99% for , and a tier 1 leverage ratio of 10.53%.
The available-for-sale portfolio of Bank of Colorado showed an unrealized loss of $62.4 mn at ; the loss narrowed by $27.6 mn over the year.
Bank of Colorado: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 11%
Bank of Colorado: unrealized securities gains and losses
- Available for sale -$62mn
- Held to maturity $0
Profitability and loan quality
For the year to , Bank of Colorado earned a return on equity of 13.63%; return on assets: 1.35%. Net interest margin at Bank of Colorado: 3.56%, +0.72 pp in a year. Bank of Colorado net income: $51.4 mn, up 54.4% year on year. The efficiency ratio of Bank of Colorado was 51.77%: about 52 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.10% of total loans at Bank of Colorado; net charge-offs: 0.01% of average loans. Gross loans and leases at Bank of Colorado: $5.4 bn, up 8.7% in a year.
Bank of Colorado: profitability
- Return on equity 14%
- Net interest margin 3.6%
- Return on assets 1.3%
Peer group of Bank of Colorado
The peer group of Bank of Colorado is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Bank of Colorado (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Colorado. Against them, Bank of Colorado shows CET1 ratio 14.74% against a peer median of 13.08%, return on equity 13.63% against a peer median of 11.59% and uninsured deposit share 37.66% against a peer median of 33.13%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Equity Bank | State member bank | KS | $7.7 bn | 13.08% | 11.77% | 27.12% | |
| Kearny Bank | State-chartered stock savings bank | NJ | $7.7 bn | 13.44% | 4.90% | 39.15% | |
| Ocean Bank | State nonmember bank | FL | $7.6 bn | 11.41% | 11.41% | 45.92% | |
| Bank of Colorado | State nonmember bank | CO | $7.6 bn | 14.74% | 13.63% | 37.66% | |
| Ridgewood Savings Bank | State-chartered stock savings bank | NY | $7.5 bn | not reported | 5.53% | 10.27% | |
| Northpointe Bank | State nonmember bank | MI | $7.5 bn | 11.10% | 14.05% | 7.12% | |
| Central Pacific Bank | State member bank | HI | $7.5 bn | 13.44% | 14.16% | 42.17% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bank of Colorado, to : assets -3.1%, deposits +5.0%, equity +27.7%. Staff 672 to 742; offices 59 to 60.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.9 bn | $7.2 bn | $7.3 bn | $7.3 bn | $7.4 bn | $7.7 bn | $7.6 bn | $7.6 bn |
| Total deposits | $6.3 bn | $6.3 bn | $6.3 bn | $6.4 bn | $6.5 bn | $6.8 bn | $6.6 bn | $6.6 bn |
| Bank equity capital | $607.9 mn | $613.2 mn | $646.1 mn | $680.9 mn | $708.9 mn | $738.9 mn | $745.0 mn | $776.5 mn |
| CET1 ratio | 14.44% | 14.67% | 14.74% | 14.74% | 14.72% | 14.54% | 14.42% | 14.74% |
| Return on equity (ROE) | 9.32% | 9.94% | 9.32% | 10.29% | 11.13% | 11.65% | 12.72% | 13.63% |
| Uninsured share of domestic deposits | 29.15% | 29.43% | 28.50% | 27.78% | 37.83% | 39.29% | 37.89% | 37.66% |
| Full-time equivalent employees | 672 | 675 | 694 | 730 | 724 | 716 | 716 | 742 |
| Number of offices | 59 | 59 | 59 | 59 | 60 | 60 | 59 | 60 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Bank of Colorado appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Bank of Colorado?
Bank of Colorado reported $7.6 bn at in its Call Report. That makes Bank of Colorado the 205th largest of 497 banks in our US coverage.
Is Bank of Colorado the same as its holding company?
No. This page covers Bank of Colorado, FDIC certificate 16980; PINNACLE BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Bank of Colorado profitable?
Bank of Colorado reported net income of $51.4 mn for the year to ; annualized return on equity: 13.63%. So yes: Bank of Colorado made a profit over these months.
When is data for Bank of Colorado next updated?
Figures from Bank of Colorado for are due after .
Where can I check the figures for Bank of Colorado?
In the FDIC BankFind Suite record for certificate 16980, and in the Call Reports of Bank of Colorado (RSSD ID 255659) at the FFIEC Central Data Repository.