Bank of Colorado: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.36 percentage points lower than in Q1 2026, at 291.70%. Within Colorado, Bank of Colorado is 34th of 63 on loan-to-deposit ratio, 81.21% as of Q2 2026, below the middle of the field. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.38B |
| Net loans and leases | $5.31B |
| Loans held for sale | $13.3M |
| Loans to total assets | 70.73% |
| Loan-to-deposit ratio | 81.21% |
| Net loans to equity capital | 6.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.96% |
| Multifamily (5+ residential) | 5.28% |
| Commercial and industrial | 3.89% |
| Consumer | 0.50% |
| Credit cards | 0.06% |
| Farm | 5.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 291.70% |
| Construction concentration (Tier 1 capital + allowance) | 55.21% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.97% |
| Interest income on loans | $79.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.42B | $5.97B | 41.99% | 4.34% | 0.88% |
| Q4 2023 | $4.50B | $6.20B | 41.24% | 4.08% | 0.84% |
| Q1 2024 | $4.53B | $6.11B | 41.77% | 4.15% | 0.80% |
| Q2 2024 | $4.65B | $6.14B | 42.45% | 4.25% | 0.79% |
| Q3 2024 | $4.67B | $6.31B | 42.52% | 3.68% | 0.78% |
| Q4 2024 | $4.73B | $6.31B | 42.06% | 3.45% | 0.71% |
| Q1 2025 | $4.81B | $6.34B | 42.13% | 3.43% | 0.68% |
| Q2 2025 | $4.95B | $6.37B | 41.76% | 4.25% | 0.64% |
| Q3 2025 | $5.05B | $6.47B | 42.45% | 3.89% | 0.60% |
| Q4 2025 | $5.23B | $6.75B | 42.65% | 3.81% | 0.52% |
| Q1 2026 | $5.30B | $6.62B | 42.74% | 4.00% | 0.49% |
| Q2 2026 | $5.38B | $6.63B | 42.96% | 3.89% | 0.50% |
Bank of Colorado loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Colorado, freeSource: Call Report Schedule RC-C, 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)