Bank of Colorado: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 6.7% to -$52.6M. Within Colorado, Bank of Colorado is 19th of 34 on CET1 ratio, 14.74% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Bank of Colorado sits 1.26 points higher, at 14.74% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.74% |
| Tier 1 risk-based capital ratio | 14.74% |
| Total risk-based capital ratio | 15.99% |
| Tier 1 leverage ratio | 10.53% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $799.3M |
| Tier 1 capital | $799.3M |
| Total risk-based capital | $867.1M |
| Total equity capital | $776.5M |
| Risk-weighted assets | $5.42B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.20% |
| Tangible equity to tangible assets | 9.77% |
| Equity capital to average assets | 10.19% |
| Internal capital growth rate | 14.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $82.2M |
| Retained earnings | $741.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$52.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.74% | 13.74% | 14.99% | 9.10% | $4.62B |
| Q4 2023 | 13.84% | 13.84% | 15.09% | 8.79% | $4.61B |
| Q1 2024 | 14.32% | 14.32% | 15.58% | 8.51% | $4.54B |
| Q2 2024 | 14.38% | 14.38% | 15.63% | 8.61% | $4.61B |
| Q3 2024 | 14.44% | 14.44% | 15.69% | 8.66% | $4.67B |
| Q4 2024 | 14.67% | 14.67% | 15.92% | 9.03% | $4.71B |
| Q1 2025 | 14.74% | 14.74% | 15.99% | 9.75% | $4.79B |
| Q2 2025 | 14.74% | 14.74% | 15.99% | 9.89% | $4.92B |
| Q3 2025 | 14.72% | 14.72% | 15.97% | 10.06% | $5.05B |
| Q4 2025 | 14.54% | 14.54% | 15.79% | 9.93% | $5.23B |
| Q1 2026 | 14.42% | 14.42% | 15.68% | 10.25% | $5.35B |
| Q2 2026 | 14.74% | 14.74% | 15.99% | 10.53% | $5.42B |
Bank of Colorado regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Colorado, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Colorado profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16980) · FFIEC NIC profile (RSSD 255659)