Bank of Colorado is a state-chartered bank headquartered in Fort Collins, Colorado, in business for about 126 years. At the end of Q2 2026 it reported $7.6B in total assets and $6.6B in deposits, with 60 offices across 3 states.
Based on its Q2 2026 filing, Bank of Colorado scores 74/100, which we describe as strong. That is higher than 74% of 897 banks with $1 billion – $10 billion. Among 63 banks headquartered in Colorado, it ranks 31st. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is funding & liquidity (55/100; 80% loans-to-deposits, 38% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (71 → 74), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 66 |
| Q4 2024 | 68 |
| Q1 2025 | 70 |
| Q2 2025 | 71 |
| Q3 2025 | 68 |
| Q4 2025 | 69 |
| Q1 2026 | 71 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.61% |
| Q3 2024 | 8.66% |
| Q4 2024 | 9.03% |
| Q1 2025 | 9.75% |
| Q2 2025 | 9.89% |
| Q3 2025 | 10.06% |
| Q4 2025 | 9.93% |
| Q1 2026 | 10.25% |
| Q2 2026 | 10.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.14% |
| Q2 2026 | 0.10% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.81% |
| Q2 2025 | 0.92% |
| Q3 2025 | 1.01% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.24% |
| Q2 2026 | 1.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $7.6B | 10.53% | 0.10% | 1.35% | 80.2% |
| Q1 2026 | 71 | $7.6B | 10.25% | 0.14% | 1.24% | 79.2% |
| Q4 2025 | 69 | $7.7B | 9.93% | 0.19% | 1.07% | 76.5% |
| Q3 2025 | 68 | $7.4B | 10.06% | 0.26% | 1.01% | 77.0% |
| Q2 2025 | 71 | $7.3B | 9.89% | 0.07% | 0.92% | 76.8% |
| Q1 2025 | 70 | $7.3B | 9.75% | 0.05% | 0.81% | 75.0% |
| Q4 2024 | 68 | $7.2B | 9.03% | 0.01% | 0.75% | 74.1% |
| Q3 2024 | 66 | $7.9B | 8.66% | 0.02% | 0.69% | 73.1% |
| Q2 2024 | 64 | $7.7B | 8.61% | 0.02% | 0.67% | 74.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpine BankBank Glenwood Springs, CO | 73 out of 100, Strong | $6.7B | 11.0% | 0.31% | vs |
| First Western Trust BankBank Denver, CO | 58 out of 100, Moderate | $3.2B | 9.2% | 0.60% | vs |
| ANB BankBank Denver, CO | 64 out of 100, Moderate | $2.9B | 9.5% | 0.37% | vs |
| Colorado Federal Savings BankBank Greenwood Village, CO | 63 out of 100, Moderate | $2.3B | 10.5% | 0.50% | vs |
| Solera National BankBank Lakewood, CO | 63 out of 100, Moderate | $1.6B | 8.6% | 1.45% | vs |
| Fortis BankBank Denver, CO | 58 out of 100, Moderate | $1.4B | 9.0% | 0.49% | vs |
Deposit insurance
Is my money safe at Bank of Colorado?
Yes. Bank of Colorado is an FDIC-insured institution (FDIC certificate #16980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.7% of deposits ($2.5B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.99% (benchmark: 10%).
60 locations
Branches
Bank of Colorado lists 55 offices in 42 cities across 3 states. Most locations:
- Colorado Springs, CO (3)
- Fort Collins, CO (3)
- Grand Junction, CO (3)
- Denver, CO (2)
- Gallup, NM (2)
- Greeley, CO (2)
- Loveland, CO (2)
- Montrose, CO (2)
- Prescott, AZ (2)
- Scottsdale, AZ (2)
- Akron, CO (1)
- Basalt, CO (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Colorado reported 2,164 home-loan applications under HMDA (LEI 549300R0DP2GXAIMGB41): 1,529 originated ($702,395,000 total), 223 denied, and 371 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Bank of Colorado
- Former names
- The First Security Bank; The Fort Lupton State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16980
- RSSD ID
- 255659
- Primary regulator
- FDIC
- Holding company
- Pinnacle Bcorp Inc
- Established
- January 1, 1900
- Headquarters
- 1609 E Harmony Rd, Fort Collins, CO 80525
- Website
- www.bankofcolorado.com
- Employees
- 742
Quick answers
Bank of Colorado: common questions
Is Bank of Colorado FDIC insured?
Yes. Bank of Colorado is an FDIC-insured institution (FDIC certificate #16980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Colorado's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Colorado ever failed?
There is no failure record for FDIC certificate #16980 in the FDIC failed bank list.
How many branches does Bank of Colorado have?
60 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Fort Collins
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National BankBank Fort Pierre, SD | 84 out of 100, Strong | $2.0B | 21.9% | 0.69% | vs |
| Verus Bank of CommerceBank Fort Collins, CO | 84 out of 100, Strong | $202.4M | 18.5% | 0.00% | vs |
| Adams Bank & TrustBank Ogallala, NE | 82 out of 100, Strong | $1.3B | 14.1% | 0.55% | vs |
| Weld Community Credit UnionCredit union Greeley, CO | 78 out of 100, Strong | $109.6M | 11.3% | 0.16% | vs |
| Union Bank and Trust CompanyBank Lincoln, NE | 76 out of 100, Strong | $9.2B | 10.6% | 0.32% | vs |
| Points West Community BankBank Windsor, CO | 75 out of 100, Strong | $877.6M | 9.2% | 0.06% | vs |