Colorado Federal Savings Bank
Also written as CFSB
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Data as of · sourced from FFIEC call reports. How we update
Colorado Federal Savings Bank is an FDIC-insured savings institution headquartered in Greenwood Village, CO, established in 1990 (FDIC certificate 33111), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.31B, down 4.0% from Q2 2025, the 6th largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 16.64% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 33111
- Headquarters
- Greenwood Village, CO
- Established
- 1990
- Total assets, Q2 2026
- $2.31B
- Assets vs Q2 2025
- -4.0%
- CET1 ratio, Q2 2026
- 16.64%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 107089335
- Latest call report
- Q2 2026, FFIEC 041 · Colorado Federal Savings Bank call report
- Holding company
- SILVER QUEEN FINANCIAL SERVICES, INC.
- Asset rank in state
- 6th of 63 in Colorado
Colorado Federal Savings Bank spends more to run itself than most banks of its size. The Greenwood Village, Colorado bank had $2.3 billion in assets at June 30, 2026, down 4.0% from a year earlier. It earns about $0.53 a year on every $100 of assets, about a third the median of $1.29 for the 880 banks with $1 billion to $10 billion in assets. It also keeps 1.86 cents of net interest income on every dollar of earning assets, about half the median of 3.71 cents for banks its size.
Deposits are coming in faster than loans: over the year loans rose 3.1% and deposits rose 7.5%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.50% of loans from 0.31% a year earlier. Funding is the softer spot: it pays an average of 3.05% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
As of June 30, 2026, Colorado Federal Savings Bank reported a CET1 capital ratio of 16.64%, a return on assets of 0.53%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 3.05%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, Colorado Federal Savings Bank is the 6th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 10.3% to $2.31B, loans fell 4.8% and deposits rose 6.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 65.0% of total loans, ahead of construction and land development loans at 19.5%. Its one office in the FDIC Summary of Deposits is in Greenwood Village, CO. By the capital ratios in its Q2 2026 call report, Colorado Federal Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8400 E Prentice Ave, Greenwood Village, CO 80111
- County
- Arapahoe
- Metro Area
- Denver-Aurora-Centennial, CO
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 29, 1990
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 77
- Domestic deposits
- $1.61B
- Allowance for credit losses
- $13.3M
- Net charge-offs (YTD)
- $206K
- Average total assets
- $2.50B
- Average total loans
- $1.69B
- Average interest-bearing deposits
- $1.57B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 29, 1990
- FDIC Cert
- 33111
- Fed RSSD
- 1718469
- SEC CIK
- 1723758 → filed by SILVER QUEEN FINANCIAL SERVICES, INC.
- Website
- www.coloradofederalbank.com →
- Parent Holding Company
- SILVER QUEEN FINANCIAL SERVICES, INC. (RSSD 3835164)
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. 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
Colorado Federal Savings Bank's total assets moved between a low of $2.21B (Q3 2023) and a high of $2.72B (Q4 2025) from Q3 2023 to Q2 2026, 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
$2.31B total assets against $2.41B; $2.05B total liabilities against $2.16B.
$1.64B net loans and leases against $1.59B; $1.61B total deposits against $1.50B.
$317.3M securities against $405.1M; $74.6M cash and balances due against $86.3M.
$29.6M total interest income against $28.2M; $18.3M total interest expense against $19.7M.
$11.4M net interest income against $8.5M.
-$572K total noninterest income against $380K; $6.5M total noninterest expense against $4.2M.
$55K provision for credit losses against -$16K.
$3.3M net income against $3.6M.
0.53% return on assets against 0.60%; 1.86% net interest margin against 1.49%.
16.64% CET1 capital ratio against 15.98%; 10.47% tier 1 leverage ratio against 10.37%.
Inside the full Colorado Federal Savings Bank 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.
Colorado Federal Savings Bank rankings
Its closest position to the top of a national ranking is 531 of 4,196, for total assets; its furthest is 940 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.13% (Q1 2025) to 0.88% (Q4 2024) and its net interest margin ran from 1.27% (Q1 2025) to 1.92% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.64% | 0.53% | 0.50% | 3.05% | 1.86% |
| Q1 2026 | 16.03% | 0.26% | 0.42% | 2.72% | 1.92% |
| Q4 2025 | 16.06% | 0.68% | 0.47% | 3.01% | 1.68% |
| Q3 2025 | 15.76% | 0.81% | 0.45% | 2.90% | 1.84% |
| Q2 2025 | 15.98% | 0.60% | 0.31% | 1.98% | 1.49% |
| Q1 2025 | 15.33% | 0.13% | 0.29% | 1.87% | 1.27% |
| Q4 2024 | 14.76% | 0.88% | 0.28% | 1.86% | 1.30% |
| Q3 2024 | 15.79% | 0.54% | 0.06% | 0.37% | 1.52% |
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 |
|---|---|---|---|
| Colorado Federal Savings Bank (main office) | Greenwood Village , CO | 80111 | $1.61B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 30, 1990 | Structure Change | Acquired Colorado Savings Bank, FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 29, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 6 against the institution (OCC, OCC (former OTS)); 3 against individuals associated with it
- October 3, 2014, OCC: Formal Agreement: Colorado Federal Savings Bank
- July 23, 2008, OCC (former OTS): Termination of Cease and Desist: Colorado FSB
- July 23, 2008, OCC (former OTS): Termination of Prompt Corrective Action: Colorado FSB
- June 27, 2008, OCC (former OTS): Prompt Corrective Action: Colorado FSB
- March 14, 2008, OCC (former OTS): Cease and Desist: Colorado FSB
- Period: Most recent institution action October 3, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in CO, rank 19 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,520 applications, 1,173 loans originated, $526.7M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- 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 Colorado Federal Savings Bank
What are Colorado Federal Savings Bank's total assets?
As of the Q2 2026 filing, Colorado Federal Savings Bank reported total assets of $2.31 billion in its FFIEC call report.
Where is Colorado Federal Savings Bank headquartered?
It is headquartered in Greenwood Village, CO, United States.
When was Colorado Federal Savings Bank founded?
It was established in 1990, per the FDIC institution directory.
Is Colorado Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #33111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Colorado Federal Savings Bank?
Colorado Federal Savings Bank's primary federal regulator is the OCC.
What is Colorado Federal Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.64% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Colorado Federal Savings Bank 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 Colorado Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 3.05% 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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