Bank of Colorado: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 17.1% higher than in Q1 2026, at $334.8M. Bank of Colorado ranks 34th of 63 Colorado banks on loan-to-deposit ratio, in the lower half at 81.21% (Q2 2026). Bank of Colorado reported 81.21% on loan-to-deposit ratio for Q2 2026, 6.99 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $334.8M |
| Cash and noninterest-bearing balances to assets | 4.40% |
| Cash and securities | $2.08B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $107.2M |
| Other borrowed money | $48.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.63% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.21% |
| Net loans and leases to deposits | 80.19% |
| Loans and leases to core deposits | 88.40% |
| Core deposits to total deposits | 91.87% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 74.02% | 92.65% | $95.8M | $366.5M |
| Q4 2023 | 72.60% | 91.20% | $91.6M | $271.4M |
| Q1 2024 | 74.04% | 90.97% | $99.2M | $771.2M |
| Q2 2024 | 75.72% | 91.25% | $134.3M | $771.2M |
| Q3 2024 | 74.01% | 91.46% | $96.4M | $780.0M |
| Q4 2024 | 75.06% | 90.87% | $96.7M | $160.0M |
| Q1 2025 | 75.93% | 91.50% | $88.2M | $159.8M |
| Q2 2025 | 77.75% | 90.58% | $84.5M | $109.8M |
| Q3 2025 | 77.97% | 91.40% | $96.6M | $109.6M |
| Q4 2025 | 77.50% | 92.25% | $114.1M | $50.5M |
| Q1 2026 | 80.18% | 92.03% | $100.1M | $49.1M |
| Q2 2026 | 81.21% | 91.87% | $107.2M | $48.1M |
Bank of Colorado liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Colorado, freeSource: Call Report Schedules RC and RC-M, 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)