Colorado Federal Savings Bank: 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.
Loan-to-deposit ratio dropped 12.54 percentage points in Q2 2026, from 115.08% to 102.54%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Colorado Federal Savings Bank is 7th of 63 on loan-to-deposit ratio, 102.54% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Colorado Federal Savings Bank sits 14.34 points higher, at 102.54% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.65B |
| Net loans and leases | $1.64B |
| Loans held for sale | $197.6M |
| Loans to total assets | 71.40% |
| Loan-to-deposit ratio | 102.54% |
| Net loans to equity capital | 6.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.89% |
| Multifamily (5+ residential) | 8.91% |
| Commercial and industrial | 0.49% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 209.97% |
| Construction concentration (Tier 1 capital + allowance) | 116.84% |
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 | 4.77% |
| Interest income on loans | $20.2M |
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 | $1.56B | $1.31B | 1.14% | 0.03% | 0.00% |
| Q4 2023 | $1.56B | $1.13B | 1.14% | 0.02% | 0.00% |
| Q1 2024 | $1.57B | $1.19B | 0.98% | 0.01% | 0.00% |
| Q2 2024 | $1.66B | $1.31B | 0.93% | 0.01% | 0.00% |
| Q3 2024 | $1.67B | $1.44B | 0.92% | 0.00% | 0.00% |
| Q4 2024 | $1.68B | $1.20B | 0.90% | 0.00% | 0.00% |
| Q1 2025 | $1.60B | $1.33B | 0.94% | 0.00% | 0.00% |
| Q2 2025 | $1.60B | $1.50B | 0.94% | 0.00% | 0.00% |
| Q3 2025 | $1.69B | $1.68B | 0.88% | 0.00% | 0.00% |
| Q4 2025 | $1.71B | $1.40B | 0.87% | 0.53% | 0.00% |
| Q1 2026 | $1.73B | $1.51B | 0.85% | 0.50% | 0.00% |
| Q2 2026 | $1.65B | $1.61B | 0.89% | 0.49% | 0.00% |
Colorado Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Colorado Federal Savings Bank, 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 Colorado Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33111) · FFIEC NIC profile (RSSD 1718469)