Bank Safety Analysis
Is Bankers' Bank of the West Safe? Denver, Colorado
Based on its Q2 2026 call report, Bankers' Bank of the West meets every capital ratio test for well capitalized, its Texas ratio is 5.49%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Bankers' Bank of the West safe?
On its Q2 2026 call report, Bankers' Bank of the West's CET1 ratio is 13.46%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 13.46%
- Tier 1 leverage ratio (Q2 2026): 14.37%
- Texas ratio (Q2 2026): 5.49%
- Noncurrent loans ratio (Q2 2026): 1.03%
Bankers' Bank of the West is an FDIC-insured commercial bank (FDIC Certificate #23210). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Bankers' Bank of the West (FDIC Certificate #23210) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Bankers' Bank of the West meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 2 risk screens are flagged: loan-to-deposit ratio and commercial real estate to capital.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) climbed 1.03 percentage points in Q2 2026, from 0.00% to 1.03%. It was the largest change from Q1 2026 among the key lines here. Bankers' Bank of the West ranks 24th of 34 Colorado banks on CET1 ratio, in the lower half at 13.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Bankers' Bank of the West sits 1.63 points lower, at 13.46% (Q2 2026). From Q3 2023 to Q2 2026, Bankers' Bank of the West's CET1 ratio ranged between 13.45% (Q3 2025) and 14.42% (Q4 2023) and its Texas ratio ranged between 0.00% (Q1 2026) and 8.52% (Q4 2024). Between Q2 2025 and Q2 2026, Bankers' Bank of the West's CET1 ratio fell from 13.48% to 13.46%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.00% to 1.03%, Texas ratio rose from 0.00% to 5.49% and return on assets fell from 0.97% to 0.91%.
Of the 63 banks headquartered in Colorado, Bankers' Bank of the West is the 24th largest by total assets at Q2 2026. Non-owner-occupied commercial real estate loans are its largest loan category, $117.1M of $337.2M in total loans on its June 30, 2026 call report. Against the 2,757 banks with $100M to $1B in assets for Q2 2026, Bankers' Bank of the West's CET1 ratio of 13.46% is below the 15.08% median, Tier 1 leverage ratio of 14.37% is above the 10.95% median, nonperforming loans ratio of 1.03% is above the 0.41% median, Texas ratio of 5.49% is above the 2.65% median, and efficiency ratio of 82.57% is above the 61.41% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does Bankers' Bank of the West score on capital, credit and costs?
Peer cohort: $100M to $1B (2,660 banks) · Industry averages as of Q2 2026.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 15.08%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 0.41%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 2.65%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 61.41%.
Does Bankers' Bank of the West trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 13.46% | Within range |
| Texas ratio BankRegReports band | 5.49% | Within range |
| Non-performing loan ratio BankRegReports band | 1.03% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 135.13% | Flagged |
| Commercial real estate to capital supervisory threshold | 285.49% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 13.46% |
| Q1 2026 | 13.85% |
| Q4 2025 | 13.56% |
| Q3 2025 | 13.45% |
| Q2 2025 | 13.48% |
| Q1 2025 | 13.55% |
| Q4 2024 | 13.56% |
| Q3 2024 | 13.67% |
| Q2 2024 | 13.82% |
| Q1 2024 | 14.10% |
| Q4 2023 | 14.42% |
| Q3 2023 | 13.80% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 5.49% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 2.49% |
| Q4 2024 | 8.52% |
| Q3 2024 | 2.49% |
| Q2 2024 | 2.49% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Loans by type, Q2 2026
- Non-owner-occupied commercial real estate loans: $117.1M
- Construction and land development loans: $67.0M
- Commercial and industrial loans: $48.7M
- Owner-occupied commercial real estate loans: $35.4M
- Agricultural production loans: $28.8M
- Loans to nondepository financial institutions: $27.1M
- 1-4 family residential loans: $4.1M
- All other loans: $2.6M
How have Bankers' Bank of the West's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Jun 30, 2026 | $433.6M | 13.46% | 14.37% | 1.03% | 5.49% | 82.57% |
| Mar 31, 2026 | $408.4M | 13.85% | 14.42% | 0.00% | 0.00% | 84.08% |
| Dec 31, 2025 | $441.9M | 13.56% | 13.89% | 0.00% | 0.00% | 83.54% |
| Sep 30, 2025 | $412.1M | 13.45% | 13.77% | 0.00% | 0.00% | 81.28% |
| Jun 30, 2025 | $409.3M | 13.48% | 14.11% | 0.00% | 0.00% | 81.90% |
| Mar 31, 2025 | $428.3M | 13.55% | 14.15% | 0.46% | 2.49% | 87.37% |
| Dec 31, 2024 | $431.5M | 13.56% | 13.75% | 1.61% | 8.52% | 90.51% |
| Sep 30, 2024 | $404.8M | 13.67% | 13.75% | 0.46% | 2.49% | 88.42% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Bankers' Bank of the West FDIC insured?
Yes. Bankers' Bank of the West is an FDIC-insured commercial bank (FDIC Certificate #23210). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Bankers' Bank of the West well capitalized?
On its Q2 2026 call report, Bankers' Bank of the West's CET1 ratio is 13.46%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Bankers' Bank of the West's key safety ratios?
For Q2 2026, Bankers' Bank of the West reports CET1 13.46%, leverage 14.37%, Texas ratio 5.49%, noncurrent loans 1.03%. Its Texas ratio compares with the 2.65% median for the 2,757 banks with $100M to $1B in assets.
What happens to my deposits if Bankers' Bank of the West fails?
For Q2 2026, Bankers' Bank of the West reported $249.5M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Bankers' Bank of the West profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 23210) · FFIEC NIC profile (RSSD 732758)
Explore: Full Bankers' Bank of the West profile · Other banks in CO · Metric glossary · How the call report works