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Profitability · Colorado

Most Efficient US Banks (Lowest Efficiency Ratio) in Colorado

Ranked among banks headquartered in Colorado. Re-ranked 1-61 within the state from the same national ranking population.

#1 US Banks (Lowest Efficiency Ratio): FOWLER STATE BANK — 34.56% . The efficiency ratio measures non-interest operating expense against net revenue — a lower ratio means the bank converts more of each revenue dollar into pre-tax income.

Ranked: 61 banks with reported data Showing: Top 61 Source: FFIEC call reports (Q1 2026) What is this metric? See the Most Efficient US … glossary entry Go deeper: What Is the Bank Efficiency Ratio? Formula, Benchmarks, and What Moves It
# Bank HQ Most Efficient US … Total Assets
1 Fowler State Bank Fowler , CO 34.56% $152.2M
2 The State Bank La Junta , CO 35.23% $145.0M
3 Alamosa State Bank Alamosa , CO 39.47% $326.2M
4 Timberline Bank Grand Junction , CO 40.36% $828.6M
5 Frontier Bank Lamar , CO 42.28% $432.0M
6 Community State Bank Lamar , CO 46.19% $212.2M
7 North Valley Bank Thornton , CO 46.41% $262.0M
8 Dolores State Bank, the Dolores , CO 47.02% $451.3M
9 First National Bank Colorado Las Animas , CO 47.89% $627.0M
10 5star Bank Colorado Springs , CO 50.07% $388.7M
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11 Yampa Valley Bank Steamboat Springs , CO 50.54% $685.0M
12 Gunnison Bank and Trust Company, the Gunnison , CO 51.77% $247.3M
13 Solera National Bank Lakewood , CO 52.64% $1.61B
14 Stockmens Bank Colorado Springs , CO 53.05% $591.8M
15 Bank of Colorado Fort Collins , CO 53.72% $7.56B
16 Farmers Bank Ault , CO 58.06% $291.0M
17 Pb&t Bank Pueblo , CO 58.32% $842.2M
18 First Pioneer National Bank Wray , CO 58.54% $252.6M
19 First Farmbank Greeley , CO 59.72% $382.8M
20 Wray State Bank Wray , CO 60.27% $304.0M
21 Points West Community Bank Windsor , CO 60.33% $855.9M
22 HTLF Bank Denver , CO 60.99% $17.20B
23 Alpine Bank Glenwood Springs , CO 61.00% $6.79B
24 FirstBank Lakewood , CO 62.45% $29.36B
25 Nbh Bank Greenwood Village , CO 62.67% $12.56B
26 Amg National Trust Bank Boulder , CO 63.74% $792.5M
27 Rocky Mountain Bank and Trust Florence , CO 64.24% $124.2M
28 Eastern Colorado Bank, the Cheyenne Wells , CO 64.66% $716.3M
29 First National Bank, Cortez Cortez , CO 64.83% $156.0M
30 Integrity Bank & Trust Monument , CO 65.01% $452.9M
31 Mountain Valley Bank Walden , CO 66.05% $557.2M
32 San Luis Valley Federal Bank Alamosa , CO 68.44% $395.5M
33 Flatirons Bank Boulder , CO 69.31% $358.9M
34 Del Norte Bank, a Savings and Loan Association Del Norte , CO 69.37% $152.3M
35 Native American Bank, N.A. Denver , CO 69.54% $384.5M
36 Farmers State Bank of Calhan Calhan , CO 69.72% $418.4M
37 Home Loan State Bank Grand Junction , CO 70.15% $230.5M
38 Colorado Bank and Trust Company of La Junta, the La Junta , CO 70.59% $332.9M
39 High Country Bank Salida , CO 71.13% $524.1M
40 Evergreen National Bank Evergreen , CO 71.24% $131.1M
41 High Plains Bank Flagler , CO 71.84% $460.5M
42 First Western Trust Bank Denver , CO 72.24% $3.24B
43 Anb Bank Denver , CO 72.59% $2.96B
44 Verus Bank of Commerce Fort Collins , CO 74.13% $207.1M
45 Fortis Bank Denver , CO 74.18% $1.35B
46 The First National Bank of Hugo Hugo , CO 74.78% $151.1M
47 Redstone Bank Centennial , CO 75.77% $304.7M
48 Park State Bank & Trust Woodland Park , CO 76.74% $158.8M
49 Farmers State Bank of Brush, the Brush , CO 76.82% $112.3M
50 Fms Bank Fort Morgan , CO 78.42% $347.9M
51 Bank of Estes Park Estes Park , CO 78.87% $157.5M
52 Colorado Federal Savings Bank Greenwood Village , CO 79.03% $2.58B
53 First Southwest Bank Durango , CO 79.14% $646.7M
54 First American State Bank Greenwood Village , CO 81.74% $281.8M
55 Citizens State Bank of Ouray, the Ouray , CO 82.67% $225.6M
56 Rg Bank, a Savings and Loan Association Monte Vista , CO 83.04% $136.1M
57 Bankers' Bank of the West Denver , CO 84.08% $408.4M
58 Pikes Peak National Bank Colorado Springs , CO 84.12% $110.7M
59 First National Bank in Trinidad Trinidad , CO 86.91% $256.0M
60 Gunnison Savings and Loan Association Gunnison , CO 86.97% $102.8M
61 Equitable Savings and Loan Association Sterling , CO 94.53% $172.0M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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