$7.56B
+3.9%y/y
Percentile by value81st percentileby value
FDIC
ASSETBC
Bank of Colorado
Fort Collins, ColoradoFDIC Cert #16980
STATEEstablished 190060 branches
Holding company: PINNACLE BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBank of Colorado reported $7.56B in total assets. Deposits grew 4.40% over the prior year.
Return on assets was 1.24%, compared with the official FFIEC UBPR peer median of 1.32%. The leverage ratio was 10.25%.
- Why is Total Assets above its official FFIEC UBPR peers?
- Why is CRE Concentration to Capital above its official FFIEC UBPR peers?
- Why is Noncurrent Loan Ratio below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$6.62B
+4.4%y/y
Percentile by value84th percentileby value
FDIC
DEP$5.24B
+10.3%y/y
Percentile by value81st percentileby value
FDIC
LNLSNET1.24%
+43 bpsy/y
Peer standing40th percentile
FDIC
NETINC + ROA54.24%
−919 bpsy/y
Peer standing60th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.25%
+50 bpsy/y
Peer standing48th percentile
FDIC
RBC1AAJPercentiles compare this bank with 236 ffiec ubpr peer group 3 — insured commercial banks having assets between $3 billion and $10 billion.
Side-by-side comparison
Bank of Colorado beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.24%
Registry median
1.32%
This bank
12.72%
FFIEC trimmed average
12.46%
This bank
3.44%
Registry median
3.67%
This bank
54.24%
Registry median
57.00%
This bank
+4.40%
FFIEC trimmed average
+6.67%
This bank
+10.27%
FFIEC trimmed average
+7.20%
This bank
0.14%
FFIEC trimmed average
0.74%
This bank
10.25%
FFIEC trimmed average
10.62%
This bank
2.15%
Registry median
2.61%
This bank
300%
Registry median
235%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.24%
Registry median
1.09%
This bank
12.72%
FFIEC trimmed average
10.98%
This bank
3.44%
Registry median
3.95%
This bank
54.24%
Registry median
66.38%
This bank
+4.40%
FFIEC trimmed average
+6.02%
This bank
+10.27%
FFIEC trimmed average
+6.09%
This bank
0.14%
FFIEC trimmed average
0.52%
This bank
10.25%
FFIEC trimmed average
11.57%
This bank
2.15%
Registry median
2.47%
This bank
300%
Registry median
174%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $6.25B | $5.47B |
| Q3 2021 | $6.39B | $5.61B |
| Q4 2021 | $6.57B | $5.77B |
| Q1 2022 | $6.74B | $6.03B |
| Q2 2022 | $6.7B | $6.02B |
| Q3 2022 | $6.65B | $6.03B |
| Q4 2022 | $6.6B | $5.9B |
| Q1 2023 | $6.65B | $5.87B |
| Q2 2023 | $6.73B | $5.72B |
| Q3 2023 | $6.96B | $5.97B |
| Q4 2023 | $7.14B | $6.2B |
| Q1 2024 | $7.57B | $6.11B |
| Q2 2024 | $7.65B | $6.14B |
| Q3 2024 | $7.86B | $6.31B |
| Q4 2024 | $7.23B | $6.31B |
| Q1 2025 | $7.28B | $6.34B |
| Q2 2025 | $7.29B | $6.37B |
| Q3 2025 | $7.44B | $6.47B |
| Q4 2025 | $7.71B | $6.75B |
| Q1 2026 | $7.56B | $6.62B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $547M |
| Investor CRE | $1.73B |
| Multifamily | $266M |
| Construction | $518M |
| 1–4 family | $1.46B |
| C&I | $213M |
| Agriculture | $489M |
| Other | $77.8M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.24%40th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.74%Median 1.32%90th 1.92%Observations 236
ROE
FDIC
NETINC + ROE12.72%54th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.84%Median 12.52%90th 17.99%Observations 236
NIM
FDIC
NIM + NIMY3.44%33rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.82%Median 3.67%90th 4.51%Observations 236
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.24%60th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.39%Median 57.00%90th 72.99%Observations 236
Deposits YoY
FDIC
DEP+4.40%44th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.73%Median +5.18%90th +19.87%Observations 236
Loans YoY
FDIC
LNLSNET+10.27%73rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.10%Median +6.78%90th +19.98%Observations 236
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.14%8th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.15%Median 0.62%90th 1.72%Observations 236
Leverage
FDIC
RBC1AAJ10.25%48th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.00%Median 10.35%90th 13.08%Observations 236
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.15%80th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.61%90th 3.59%Observations 236
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC300%79th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 104%Median 235%90th 346%Observations 214
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.24%55th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.28%Median 1.09%90th 2.13%Observations 57
ROE
FDIC
NETINC + ROE12.72%65th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.37%Median 10.99%90th 21.11%Observations 57
NIM
FDIC
NIM + NIMY3.44%21st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.07%Median 3.95%90th 5.06%Observations 57
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.24%75th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.82%Median 66.38%90th 82.39%Observations 57
Deposits YoY
FDIC
DEP+4.40%48th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.38%Median +5.02%90th +17.05%Observations 57
Loans YoY
FDIC
LNLSNET+10.27%68th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.87%Median +6.55%90th +15.84%Observations 57
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.14%34th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.40%90th 1.47%Observations 57
Leverage
FDIC
RBC1AAJ10.25%37th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.01%Median 10.78%90th 15.41%Observations 57
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.15%64th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.27%Median 2.47%90th 3.17%Observations 57
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC300%90th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 21%Median 174%90th 300%Observations 31
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 60 branches
- Headquarters
- Fort Collins, CO
FDIC
OFFDOMOpen the Colorado dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data