Bank of Colorado: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Fort Collins, Bank of Colorado serves the Colorado market as a community-focused commercial bank. As of Q2 2026, the bank held approximately $7.6B in total assets and $6.6B in deposits. The bank posts a strong 1.46% ROA and 14.60% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 14.74% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.10% NPLs and a 0.70% Texas Ratio. Its footprint covers 60 branches concentrated in Colorado.
As of June 30, 2026, Bank of Colorado reported a CET1 capital ratio of 14.74%, a return on assets of 1.46%, a nonperforming-loan ratio of 0.10%, a Texas ratio of 0.70%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1609 E Harmony Rd, Fort Collins, CO 80525
- County
- Larimer
- Metro Area
- Fort Collins-Loveland, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Former names
- The First Security Bank (1987-1998)
- Offices
- 60 domestic
- Employees (FTE)
- 742
- Domestic deposits
- $6.63B
- Allowance for credit losses
- $68.0M
- Net charge-offs (YTD)
- $280K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 26, 1951
- FDIC Cert
- 16980
- Fed RSSD
- 255659
- SEC CIK
- 1703383 → filed by PINNACLE BANCORP, INC.
- Website
- www.bankofcolorado.com →
- Parent Holding Company
- PINNACLE BANCORP, INC. (RSSD 1053272)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Colorado terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Colorado, 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.
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.
Bank of Colorado rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.74% | 1.46% | 0.10% | 0.70% | 3.64% |
| Q1 2026 | 14.42% | 1.25% | 0.13% | 0.94% | 3.44% |
| Q4 2025 | 14.54% | 1.23% | 0.19% | 1.28% | 3.29% |
| Q3 2025 | 14.72% | 1.19% | 0.13% | 1.81% | 3.12% |
| Q2 2025 | 14.74% | 1.01% | 0.07% | 0.47% | 2.88% |
| Q1 2025 | 14.74% | 0.81% | 0.02% | 0.40% | 2.68% |
| Q4 2024 | 14.67% | 0.91% | 0.02% | 0.12% | 2.54% |
| Q3 2024 | 14.44% | 0.71% | 0.02% | 0.15% | 2.33% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 57 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gallup Main Branch | Gallup , NM | 87301 | $517.9M |
| Durango Branch | Durango , CO | 81301 | $420.8M |
| Fort Lupton Branch | Fort Lupton , CO | 80621 | $333.0M |
| Sterling Branch | Sterling , CO | 80751 | $329.5M |
| Eaton Branch | Eaton , CO | 80615 | $328.5M |
| Windsor Branch | Windsor , CO | 80550 | $256.8M |
| Johnstown Branch | Johnstown , CO | 80534 | $224.0M |
| Grand Junction Branch | Grand Junction , CO | 81501 | $214.0M |
| Bank of Colorado-Denver Branch | Denver , CO | 80202 | $212.4M |
| Greeley Branch | Greeley , CO | 80634 | $208.8M |
| Yuma Branch | Yuma , CO | 80759 | $201.0M |
| Craig Branch | Craig , CO | 81625 | $192.7M |
| Brush Branch | Brush , CO | 80723 | $192.6M |
| Glenwood Springs Branch | Glenwood Springs , CO | 81601 | $177.1M |
| Bank of Colorado (main office) | Fort Collins , CO | 80525 | $173.2M |
| Fort Morgan Branch | Fort Morgan , CO | 80701 | $147.4M |
| Montrosebank North Branch | Montrose , CO | 81401 | $146.0M |
| Dtc Branch | Greenwood Village , CO | 80111 | $137.8M |
| Estes Park Branch | Estes Park , CO | 80517 | $134.8M |
| Lakewood Branch | Lakewood , CO | 80228 | $130.2M |
| Ft Collins North Branch | Fort Collins , CO | 80524 | $129.0M |
| Pagosa Springs Branch | Pagosa Springs , CO | 81147 | $108.7M |
| Brighton Branch | Brighton , CO | 80601 | $106.4M |
| Prescott Branch | Prescott , AZ | 86301 | $101.9M |
| West Greeley Branch | Greeley , CO | 80634 | $90.6M |
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 |
|---|---|---|---|
| July 1, 2017 | Structure Change | Acquired Amfirst Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 2, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 2, 2015 | Structure Change | Acquired MontroseBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2013 | Structure Change | Acquired New West Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 24, 2006 | Structure Change | Acquired Olathe State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 12, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 12, 2005 | Structure Change | Acquired Western Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2004 | Structure Change | Acquired First National Bank of Colorado Springs Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 16, 2000 | Structure Change | Acquired Bank of Colorado - Western Slope Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2000 | Structure Change | Acquired Park National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 21, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 21, 2000 | Structure Change | Acquired The Burns National Bank of Durango Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 19, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 19, 1998 | Structure Change | Acquired Bank of Colorado-Front Range Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 25, 1989 | Structure Change | Acquired Farmers State Bank of Yuma Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 24, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 1987 | Structure Change | Acquired First National Bank of Brush Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 8, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 19 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Bank of Colorado, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action December 4, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.2% of deposits in CO, rank 6 of 124 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Colorado
What are Bank of Colorado's total assets?
As of the Q2 2026 filing, Bank of Colorado reported total assets of $7.61 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Colorado headquartered?
Bank of Colorado is headquartered in Fort Collins, CO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
Is Bank of Colorado FDIC-insured?
Yes. Bank of Colorado is an FDIC-insured commercial bank (FDIC Certificate #16980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Colorado?
Bank of Colorado's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Colorado's CET1 capital ratio?
Bank of Colorado reported a Common Equity Tier 1 (CET1) capital ratio of 14.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Colorado operate?
Bank of Colorado operates 60 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Colorado's Texas Ratio?
Bank of Colorado's Texas Ratio is 0.70% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Bank of Colorado previously called?
The charter now named Bank of Colorado has also operated as The First Security Bank (1987-1998), per FDIC structure-change records.
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