# BANK OF COLORADO
FORT COLLINS, CO · FDIC certificate 16980 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $7.61B | |
| Deposits | $6.63B | |
| Loans and leases | $5.38B | |
| Total equity | $776.5M | |
| Loans / deposits | 80.19% (p34 of band) | 87.10% |
| Liquid assets / assets | 27.30% (p70 of band) | |
| Uninsured deposits / deposits | 37.66% (p68 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.04% (p30 of band) | |
| FHLB advances / assets | 0.63% | |
| Tier 1 leverage | 10.53% (p51 of band) | 10.50% |
| Unrealized securities loss / equity | -8.04% (p49 of band) | -7.75% |
| AOCI / equity | -0.10% (p66 of band) | |
| ROA (annualized) | 1.35% (p59 of band) | 1.26% |
| Net interest margin | 3.56% (p41 of band) | 3.70% |
| Efficiency ratio | 51.77% (p28 of band) | |
| Noncurrent loans | 0.10% (p14 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p35 of band) | |
| Reserve coverage of noncurrent | 1224.33% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 61.66% (p64 of band) | |
| Auto loans | $11.2M (0.21% of loans; DQ 0.38%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 742 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | NIM <2.5% |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | NIM <2.5% |
| 2025-06 | 1 | uninsured deposits leaving |  |
| 2025-09 | 1 | assets shrinking | uninsured deposits leaving |
| 2025-12 | 0 |  | assets shrinking |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-09 [Bank of Colorado is the April Chamber Member of the Month - Akron News-Reporter](https://news.google.com/rss/articles/CBMipgFBVV95cUxQTXJMNU41X0FsY0lxVDR2OFhkc09adUtDWmtVbXMxQkRfVVB4ejV4Tk5NU1I0RW9aNExVU3lieFVfTmdvSC03TkFrWmF3Ym9QcnJtQmtBMncxTGVHMmlMa0RQejlzVnRRdjFReU5VMHppWVRSS3BGelBaT3R1ZEVuMnptMjV2SXc5UXpSQU5seDVlb1RZLVVGWUJkdC1KZm45ZXNpeWln?oc=5) · Akron News-Reporter
- 2026-02-06 [Colorado banks name a dozen new market leaders as competition heats up - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQMzJZd195cWFPdWlxaF96cXQ4QV9XSENQMXdCekpMREYzVk1jRUhJZ2ZlVnprbTduYl9GeHNXS3ZyajZ2cVNBNXp0NUFycWRFaWtmRnpCSURXZXJvYVZfZko3R2swWkFTSXAyMEtXWnduVzFCNUNzOGRIUjk0WlI4TmJqaW9Kc1hEX01Db1c0V0VZcjlPMTFTcw?oc=5) · The Business Journals
- 2026-01-14 [High Plains Bank acquires Hugo-based bank - bizwest.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE82RDJOOHVUT2QybUhDVmlfbllRM3Z4cTVmaE5hbDBLWjY5RlNQNDU3ckJRbkhaMzZ6MFc3MGNmeUdncG1LbF9qZWQ2OXdLXzVIVFdGb1dLdmtveTlTeWhqNnFpZzlHWGVrQ2lKNXZKc3BqOTF3UDgzMmJaSXEtUQ?oc=5) · bizwest.com
- 2026-07-02 [Bank of Colorado USA 5K draws a crowd - Sterling Journal-Advocate](https://news.google.com/rss/articles/CBMiigFBVV95cUxNb2dicDZ6eU0zTkZmZFBwYVZfOFBMVTQyOXBLdXZvZ1JjVVdtSlJPcnRVajM3cThEb3hBdXNTYm51TDM3anhnRWU4dTBuNFM5cEtWa3ZQY05FSnlRb2EtODRLaTBQZmxoeXEwRTU4UzcxU09VdTYyYkV2a0xJaGVoeVFMTUNKVGdJTVE?oc=5) · Sterling Journal-Advocate
- 2026-01-24 [Gloria Carpenter Obituary - Greeley, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOZkYxWmdJYndYQVlDV2hQVmZDNWVSSjJGaVpZV2VmZnJoUEdxdzVuaG01MWNiNVNlWGx0ckRKSW5ISGxiQjJLaVFlYUJucExjLXdKWEhMNHVDUENub1FCMGdTcWw3bFQ0ajI0MFpsRUxuQWdSWUt2TGV4RkJaX0JwTGJwXzJZdw?oc=5) · Dignity Memorial
- 2026-05-10 [University of Northern Colorado celebrates commencement weekend - Greeley Tribune](https://news.google.com/rss/articles/CBMinwFBVV95cUxNY2lqc29GVG1XejQtZXhxbWowSzE5V3laZDRiRElOTlVNMFZMbktSVTVBQVRNeTRZbUFLb3puZzhfWEZqbEVIU0RudGlCY2M4dmZEckFPMm5sZkJGT2hLRzJEY3RJZFhUc0JJYmRiT2laU0xKdnBHck96WWNlV19yMlZHVldJRHhCeEthODFDSmcweVFVZkVDVmwwNmdqemc?oc=5) · Greeley Tribune
- 2019-09-24 [Bank of Colorado robbed in Rifle - Post Independent](https://news.google.com/rss/articles/CBMiekFVX3lxTE9Xb2JBdEFMRDQ3LTYyUGtpYW1INXJZcG1reVVjSFdla1JtaHpTa1MxQ2xXT3VoeUNFQkVyTktpM0s3Y3h3QzVFcnJfTlVZSDJ2ZUdPa0ZHYmp2VDI1amtYQjJQQkUxdmM2Mm9oOWxDQnJoeS1VdEFRWWpn?oc=5) · Post Independent
- 2025-02-04 [The Fiscal Impact of Credit Unions Purchasing Bank Assets - commonsenseinstituteus.org](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbzZ6aHBNZklIRUJXUXN5ZHlmNnlWUkNrZjlQaGJOOTVrVjg5XzBUV3pvcWlxTzFGb3F5bW81YWt6MHp4aGp0ZkVxZms2QVo3T180bW5BdE9kclByQkRYTFJ2ZlluU0pxdHZMbkc5clQ2VE5IcnpVV2FaN041dnlyWk9mbm9iUTZ2dFh2MU9IVGhhMGhnVVVjTlNWMUV2ejdjSkxoNG1KWHVobUhFZm9XN0p3dWt4czFNU3dFZE0xcGdGVEho?oc=5) · commonsenseinstituteus.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16980 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "16980", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide