Bank of Colorado
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Data as of · sourced from FFIEC call reports. How we update
Bank of Colorado is an FDIC-insured commercial bank headquartered in Fort Collins, CO (FDIC certificate 16980), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $7.61B, up 4.4% from Q2 2025, the 2nd largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 14.74% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16980
- Headquarters
- Fort Collins, CO
- Established
- Not reported
- Total assets, Q2 2026
- $7.61B
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 14.74%
- Domestic offices
- 60 FDIC institution directory, current count
- Routing number
- 107002448
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Colorado call report
- Holding company
- PINNACLE BANCORP, INC.
- Asset rank in state
- 2nd of 63 in Colorado
Bank of Colorado, based in Fort Collins, Colorado, reported $7.6 billion in assets at June 30, 2026, up 4.4% from a year earlier. It carries problem assets equal to 0.7% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 1.46% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.01%).
Earnings jumped: net income for the quarter was $28 million, 49% above the same quarter a year earlier. Over the same year, loans grew 8.7% and deposits grew 4.1%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Bank of Colorado reported a CET1 capital ratio of 14.74%, a return on assets of 1.46%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.69%. The figures come from its call report filed with the FFIEC.
Bank of Colorado ranks as the 2nd largest of the 63 banks based in Colorado, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $7.61B, loans rose 1.5% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 32.8% of total loans, ahead of 1-4 family residential loans at 28.3%. The FDIC Summary of Deposits lists 57 offices for it, in 42 cities across 3 states; its Gallup 2 offices book 8% of its branch deposits. Judged on its Q2 2026 call report, Bank of Colorado meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1609 E Harmony Rd, Fort Collins, CO 80525
- County
- Larimer
- Metro Area
- Fort Collins-Loveland, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Former names
- The First Security Bank (1987-1998)
- Domestic offices
- 60 FDIC institution directory, current count
- Employees (FTE)
- 742
- Domestic deposits
- $6.63B
- Allowance for credit losses
- $68.0M
- Net charge-offs (YTD)
- $280K
- Average total assets
- $7.62B
- Average total loans
- $5.34B
- Average interest-bearing deposits
- $4.57B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 26, 1951
- FDIC Cert
- 16980
- Fed RSSD
- 255659
- SEC CIK
- 1703383 → filed by PINNACLE BANCORP, INC.
- Website
- www.bankofcolorado.com →
- Parent Holding Company
- PINNACLE BANCORP, INC. (RSSD 1053272)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Colorado's total assets ran between $6.96B (Q3 2023) and $7.86B (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.61B total assets against $7.29B; $6.83B total liabilities against $6.61B.
$5.31B net loans and leases against $4.89B; $6.63B total deposits against $6.37B.
$1.74B securities against $2.03B; $334.8M cash and balances due against $165.6M.
$92.0M total interest income against $81.4M; $24.7M total interest expense against $29.9M.
$67.3M net interest income against $51.5M.
$9.1M total noninterest income against $7.7M; $37.8M total noninterest expense against $33.6M.
$2.2M provision for credit losses against $1.5M.
$27.8M net income against $18.6M.
1.46% return on assets against 1.01%; 3.64% net interest margin against 2.88%.
14.74% CET1 capital ratio against 14.74%; 10.53% tier 1 leverage ratio against 9.89%.
Inside the full Bank of Colorado terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Colorado rankings
Its closest position to the top of a national ranking is 203 of 4,196, for total assets; its furthest is 2,865 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.71% (Q3 2024) to 1.46% (Q2 2026) and its net interest margin ran from 2.33% (Q3 2024) to 3.64% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.74% | 1.46% | 0.10% | 0.69% | 3.64% |
| Q1 2026 | 14.42% | 1.25% | 0.14% | 0.93% | 3.44% |
| Q4 2025 | 14.54% | 1.23% | 0.19% | 1.27% | 3.29% |
| Q3 2025 | 14.72% | 1.19% | 0.26% | 1.80% | 3.12% |
| Q2 2025 | 14.74% | 1.01% | 0.07% | 0.46% | 2.88% |
| Q1 2025 | 14.74% | 0.81% | 0.05% | 0.39% | 2.68% |
| Q4 2024 | 14.67% | 0.91% | 0.01% | 0.10% | 2.54% |
| Q3 2024 | 14.44% | 0.71% | 0.02% | 0.14% | 2.33% |
Swipe the table sideways to see every column.
Branch Network
View all 57 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gallup Main Branch | Gallup , NM | 87301 | $517.9M |
| Durango Branch | Durango , CO | 81301 | $420.8M |
| Fort Lupton Branch | Fort Lupton , CO | 80621 | $333.0M |
| Sterling Branch | Sterling , CO | 80751 | $329.5M |
| Eaton Branch | Eaton , CO | 80615 | $328.5M |
| Windsor Branch | Windsor , CO | 80550 | $256.8M |
| Johnstown Branch | Johnstown , CO | 80534 | $224.0M |
| Grand Junction Branch | Grand Junction , CO | 81501 | $214.0M |
| Bank of Colorado-Denver Branch | Denver , CO | 80202 | $212.4M |
| Greeley Branch | Greeley , CO | 80634 | $208.8M |
| Yuma Branch | Yuma , CO | 80759 | $201.0M |
| Craig Branch | Craig , CO | 81625 | $192.7M |
| Brush Branch | Brush , CO | 80723 | $192.6M |
| Glenwood Springs Branch | Glenwood Springs , CO | 81601 | $177.1M |
| Bank of Colorado (main office) | Fort Collins , CO | 80525 | $173.2M |
| Fort Morgan Branch | Fort Morgan , CO | 80701 | $147.4M |
| Montrosebank North Branch | Montrose , CO | 81401 | $146.0M |
| Dtc Branch | Greenwood Village , CO | 80111 | $137.8M |
| Estes Park Branch | Estes Park , CO | 80517 | $134.8M |
| Lakewood Branch | Lakewood , CO | 80228 | $130.2M |
| Ft Collins North Branch | Fort Collins , CO | 80524 | $129.0M |
| Pagosa Springs Branch | Pagosa Springs , CO | 81147 | $108.7M |
| Brighton Branch | Brighton , CO | 80601 | $106.4M |
| Prescott Branch | Prescott , AZ | 86301 | $101.9M |
| West Greeley Branch | Greeley , CO | 80634 | $90.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2017 | Structure Change | Acquired Amfirst Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 2, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 2, 2015 | Structure Change | Acquired MontroseBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2013 | Structure Change | Acquired New West Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 24, 2006 | Structure Change | Acquired Olathe State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 12, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 12, 2005 | Structure Change | Acquired Western Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2004 | Structure Change | Acquired First National Bank of Colorado Springs Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 16, 2000 | Structure Change | Acquired Bank of Colorado - Western Slope Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2000 | Structure Change | Acquired Park National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 21, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 21, 2000 | Structure Change | Acquired The Burns National Bank of Durango Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 19, 1998 | Structure Change | Acquired Bank of Colorado-Front Range Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 19, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 25, 1989 | Structure Change | Acquired Farmers State Bank of Yuma Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 24, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 1987 | Structure Change | Acquired First National Bank of Brush Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 8, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 19 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action December 4, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.2% of deposits in CO, rank 6 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $1.9M approved, $626K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Colorado
What are Bank of Colorado's total assets?
As of the Q2 2026 filing, Bank of Colorado reported total assets of $7.61 billion in its FFIEC call report.
Where is Bank of Colorado headquartered?
It is headquartered in Fort Collins, CO, United States.
Is Bank of Colorado FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Colorado?
Bank of Colorado's primary federal regulator is the FDIC.
What is Bank of Colorado's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Colorado operate?
It operates 60 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Colorado's Texas Ratio?
Its Texas Ratio is 0.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Bank of Colorado previously called?
The charter now named Bank of Colorado has also operated as The First Security Bank (1987-1998), per FDIC structure-change records.
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