Bankers' Bank of the West
Bankers' Bank of the West is an FDIC-insured commercial bank headquartered in Denver, CO, supervised by the Federal Reserve, with $433.6M in total assets at Q2 2026, up 5.9% from Q2 2025, the 24th largest of 63 banks headquartered in Colorado. It was established in 1980 and holds FDIC certificate 23210. Its CET1 capital ratio was 13.46% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 23210
- Headquarters
- Denver, CO
- Established
- 1980
- Total assets, Q2 2026
- $433.6M
- Assets vs Q2 2025
- +5.9%
- CET1 ratio, Q2 2026
- 13.46%
- Domestic offices
- 1 · Bankers' Bank of the West branches FDIC institution directory, current count
- Routing number
- 102003743
- Safety and soundness
- Is Bankers' Bank of the West safe?
- Latest call report
- Q2 2026, FFIEC 051 · Bankers' Bank of the West Q3 2026 call report, filed October 29, 2026 (preliminary)
- Holding company
- BANKERS' BANK OF THE WEST BANCORP, INC.
- Asset rank in state
- 24th of 63 in Colorado
Problem loans are rising at Bankers' Bank of the West. Based in Denver, Colorado, it had $434 million in assets at June 30, 2026, up 5.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.03% of loans from 0.00% a year earlier. It holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also lost 7.4% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.1%).
The commercial and industrial book ($49 million) is worsening: 7.14% of it is past due or on nonaccrual, up from 0.54% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 0.4% and deposits fell 7.4%. Costs are the weak spot: it spends about 83 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Bankers' Bank of the West reported a CET1 capital ratio of 13.46%, a return on assets of 0.91%, a nonperforming-loan ratio of 1.03% and a Texas ratio of 5.49%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, Bankers' Bank of the West is the 24th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.2% to $433.6M, loans rose 1.6% and deposits fell 0.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 34.7% of total loans, ahead of construction and land development loans at 19.9%. Its one office in the FDIC Summary of Deposits is in Denver, CO. On its Q2 2026 call report, Bankers' Bank of the West meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1099 18th St, Denver, CO 80202
- County
- Denver
- Metro Area
- Denver-Aurora-Centennial, CO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1980
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $249.5M
- Allowance for credit losses
- $5.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $408.3M
- Average total loans
- $328.5M
- Average interest-bearing deposits
- $167.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 1, 1980
- FDIC Cert
- 23210
- Fed RSSD
- 732758
- SEC CIK
- 1503983 → filed by BANKERS' BANK OF THE WEST BANCORP, INC.
- Website
- www.bbwest.com →
- Parent Holding Company
- BANKERS' BANK OF THE WEST BANCORP, INC. (RSSD 2249401)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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, Bankers' Bank of the West's total assets ran between $383.3M (Q4 2023) and $448.4M (Q1 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
$433.6M total assets against $409.3M; $376.0M total liabilities against $353.8M.
$331.4M net loans and leases against $330.0M; $249.5M total deposits against $269.4M.
$15.2M securities against $18.9M; $52.4M cash and balances due against $29.2M.
$5.8M total interest income against $6.3M; $2.2M total interest expense against $2.4M.
$3.6M net interest income against $3.8M.
$3.3M total noninterest income against $3.2M; $5.7M total noninterest expense against $5.8M.
$0 provision for credit losses against $0.
$932K net income against $978K.
0.91% return on assets against 0.97%; 3.80% net interest margin against 4.03%.
13.46% CET1 capital ratio against 13.48%; 14.37% tier 1 leverage ratio against 14.11%.
Inside the full Bankers' Bank of the West 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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.
Bankers' Bank of the West rankings
Its closest position to the top of a national ranking is 1,224 of 3,640, for Texas Ratio; its furthest is 3,316 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.41% (Q4 2024) to 2.54% (Q1 2025) and its net interest margin ran from 3.37% (Q3 2024) to 4.03% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.46% | 0.91% | 1.03% | 5.49% | 3.80% |
| Q1 2026 | 13.85% | 0.79% | 0.00% | 0.00% | 3.82% |
| Q4 2025 | 13.56% | 0.84% | 0.00% | 0.00% | 3.93% |
| Q3 2025 | 13.45% | 0.96% | 0.00% | 0.00% | 3.94% |
| Q2 2025 | 13.48% | 0.97% | 0.00% | 0.00% | 4.03% |
| Q1 2025 | 13.55% | 2.54% | 0.46% | 2.49% | 3.69% |
| Q4 2024 | 13.56% | 0.41% | 1.61% | 8.52% | 3.53% |
| Q3 2024 | 13.67% | 0.59% | 0.46% | 2.49% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Bankers' Bank of the West (main office) | Denver , CO | 80202 | $249.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- February 19, 2010, Federal Reserve: Written Agreement: Bankers' Bank of the West Bancorp, Denver, Colorado; Bankers' Bank of the West, Denver, Colorado
- Period: Most recent institution action February 19, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in CO, rank 65 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 Bankers' Bank of the West
What are Bankers' Bank of the West's total assets?
As of the Q2 2026 filing, Bankers' Bank of the West reported total assets of $433.6 million in its FFIEC call report.
Where is Bankers' Bank of the West headquartered?
It is headquartered in Denver, CO, United States.
When was Bankers' Bank of the West founded?
It was established in 1980, per the FDIC institution directory.
Is Bankers' Bank of the West FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23210). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bankers' Bank of the West?
Bankers' Bank of the West's primary federal regulator is the Federal Reserve.
What is Bankers' Bank of the West's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bankers' Bank of the West operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bankers' Bank of the West's Texas Ratio?
Its Texas Ratio is 5.49% 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.
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