Asset Quality ranking · Colorado · Call report data as of September 30, 2026
Colorado Banks: Highest CRE Delinquency
Farmers Bank has the highest commercial real estate noncurrent rate of the 46 ranked banks headquartered in Colorado, at 26.16% as of September 30, 2026. The median among the 46 ranked Colorado banks is 0.00%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 0.44%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Colorado banks by commercial real estate noncurrent rate. For the largest banks headquartered in Colorado, see largest banks in Colorado.
- No. 1 in Colorado
- Farmers Bank
- Its CRE noncurrent
- 26.16%
- Colorado median
- 0.00%
- Banks ranked
- 46
Ranked among banks headquartered in Colorado, numbered 1 to 46 within the state from the same population as the national list. Browse every bank in the Colorado bank directory.
Top 46 Colorado banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Colorado median of 0.00%. Missing values show as a dash and sort last.
| 1 | Farmers Bank Ault, CO | 26.16% | $285.3M $100M to $1B |
| 2 | Native American Bank, N.A. Denver, CO | 12.85% | $399.4M $100M to $1B |
| 3 | Solera National Bank Lakewood, CO | 3.71% | $1.55B $1B to $10B |
| 4 | Evergreen National Bank Evergreen, CO | 1.53% | $138.2M $100M to $1B |
| 5 | First National Bank, Cortez Cortez, CO | 1.52% | $152.8M $100M to $1B |
| 6 | North Valley Bank Thornton, CO | 1.05% | $272.6M $100M to $1B |
| 7 | High Country Bank Salida, CO | 0.96% | $547.5M $100M to $1B |
| 8 | PB&T Bank Pueblo, CO | 0.83% | $851.4M $100M to $1B |
| 9 | Rocky Mountain Bank and Trust Florence, CO | 0.69% | $132.7M $100M to $1B |
| 10 | The Dolores State Bank Dolores, CO | 0.66% | $466.4M $100M to $1B |
| 11 | FMS Bank Fort Morgan, CO | 0.59% | $340.9M $100M to $1B |
| 12 | Home Loan State Bank Grand Junction, CO | 0.46% | $241.5M $100M to $1B |
| 13 | Bank of Colorado Fort Collins, CO | 0.40% | $7.72B $1B to $10B |
| 14 | The Colorado Bank and Trust Company of La Junta La Junta, CO | 0.34% | $347.3M $100M to $1B |
| 15 | High Plains Bank Flagler, CO | 0.29% | $641.3M $100M to $1B |
| 16 | Mountain Valley Bank Walden, CO | 0.29% | $550.1M $100M to $1B |
| 17 | Alpine Bank Glenwood Springs, CO | 0.20% | $6.70B $1B to $10B |
| 18 | NBH Bank Greenwood Village, CO | 0.15% | $12.68B $10B to $100B |
| 19 | First Western Trust Bank Denver, CO | 0.00% | $3.42B $1B to $10B |
| 20 | ANB Bank Denver, CO | 0.00% | $2.89B $1B to $10B |
| 21 | Fortis Bank Denver, CO | 0.00% | $1.35B $1B to $10B |
| 22 | Points West Community Bank Windsor, CO | 0.00% | $1.01B $1B to $10B |
| 23 | Timberline Bank Grand Junction, CO | 0.00% | $832.5M $100M to $1B |
| 24 | The Eastern Colorado Bank Cheyenne Wells, CO | 0.00% | $717.0M $100M to $1B |
| 25 | Amg National Trust Bank Boulder, CO | 0.00% | $713.3M $100M to $1B |
| 26 | Stockmens Bank Colorado Springs, CO | 0.00% | $690.0M $100M to $1B |
| 27 | Yampa Valley Bank Steamboat Springs, CO | 0.00% | $683.6M $100M to $1B |
| 28 | First Southwest Bank Durango, CO | 0.00% | $646.2M $100M to $1B |
| 29 | First National Bank Colorado Las Animas, CO | 0.00% | $636.5M $100M to $1B |
| 30 | Bankers' Bank of the West Denver, CO | 0.00% | $452.0M $100M to $1B |
| 31 | Integrity Bank & Trust Monument, CO | 0.00% | $441.9M $100M to $1B |
| 32 | Frontier Bank Lamar, CO | 0.00% | $435.6M $100M to $1B |
| 33 | San Luis Valley Federal Bank Alamosa, CO | 0.00% | $389.1M $100M to $1B |
| 34 | First FarmBank Greeley, CO | 0.00% | $375.8M $100M to $1B |
| 35 | 5STAR Bank Colorado Springs, CO | 0.00% | $373.9M $100M to $1B |
| 36 | Flatirons Bank Boulder, CO | 0.00% | $371.3M $100M to $1B |
| 37 | Alamosa State Bank Alamosa, CO | 0.00% | $329.9M $100M to $1B |
| 38 | Redstone Bank Centennial, CO | 0.00% | $300.1M $100M to $1B |
| 39 | The Gunnison Bank and Trust Company Gunnison, CO | 0.00% | $275.6M $100M to $1B |
| 40 | First American State Bank Greenwood Village, CO | 0.00% | $270.1M $100M to $1B |
| 41 | The Citizens State Bank of Ouray Ouray, CO | 0.00% | $241.8M $100M to $1B |
| 42 | Verus Bank of Commerce Fort Collins, CO | 0.00% | $212.7M $100M to $1B |
| 43 | Bank of Estes Park Estes Park, CO | 0.00% | $174.7M $100M to $1B |
| 44 | Park State Bank & Trust Woodland Park, CO | 0.00% | $160.5M $100M to $1B |
| 45 | Del Norte Bank, a Savings and Loan Association Del Norte, CO | 0.00% | $154.4M $100M to $1B |
| 46 | Pikes Peak National Bank Colorado Springs, CO | 0.00% | $108.3M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 46 banks headquartered in Colorado that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Colorado has the highest commercial real estate noncurrent rate?
Farmers Bank has the highest commercial real estate noncurrent rate of the 46 ranked banks headquartered in Colorado, at 26.16% as of September 30, 2026, according to its FFIEC call report. Native American Bank, N.A. ranks second at 12.85%. The median is 0.00%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Colorado rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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