Colorado Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 12.54 percentage points lower than in Q1 2026, at 102.54%. Within Colorado, Colorado Federal Savings Bank is 54th of 63 on return on assets, 0.53% as of Q2 2026, below the middle of the field. Colorado Federal Savings Bank's return on assets of 0.53% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.75 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.64% |
| Tier 1 risk-based capital ratio | 16.64% |
| Total risk-based capital ratio | 17.50% |
| Tier 1 leverage ratio | 10.47% |
| Equity capital to assets | 11.28% |
| Tangible equity to tangible assets | 11.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.71% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 4.33% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | 113.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.53% |
| Return on equity | 5.11% |
| Net interest margin | 1.86% |
| Efficiency ratio | 59.89% |
| Yield on earning assets | 4.86% |
| Cost of funds | 3.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.54% |
| Core deposits to total deposits | 78.11% |
| Brokered deposits to total deposits | 13.66% |
| Deposits to assets | 69.63% |
| Securities to assets | 13.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.83% | 17.83% | 18.75% | 12.04% | 1.71% |
| Q4 2023 | 15.17% | 15.17% | 16.08% | 9.90% | 0.88% |
| Q1 2024 | 15.16% | 15.16% | 16.04% | 9.94% | 0.51% |
| Q2 2024 | 14.84% | 14.84% | 15.69% | 10.17% | 0.50% |
| Q3 2024 | 15.79% | 15.79% | 16.65% | 10.48% | 0.54% |
| Q4 2024 | 14.76% | 14.76% | 15.60% | 10.20% | 0.88% |
| Q1 2025 | 15.33% | 15.33% | 16.19% | 10.50% | 0.13% |
| Q2 2025 | 15.98% | 15.98% | 16.86% | 10.37% | 0.60% |
| Q3 2025 | 15.76% | 15.76% | 16.60% | 9.82% | 0.81% |
| Q4 2025 | 16.06% | 16.06% | 16.90% | 9.74% | 0.68% |
| Q1 2026 | 16.03% | 16.03% | 16.87% | 9.94% | 0.26% |
| Q2 2026 | 16.64% | 16.64% | 17.50% | 10.47% | 0.53% |
Colorado Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Colorado Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)