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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Colorado, the state note

Bank of Colorado

Fort Collins, Colorado · $7.61B in assets · beside the 11 other the Mountain West banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

0.10%
NPA / loans
1st of 12
12.2x
Coverage of noncurrent
1st of 12
47.0%
CRE / loans
11th of 12

Bank of Colorado is the fourth largest of the 12 the Mountain West banks between $3B and $10B, with $7.61B in assets at 30 June 2026. Loans are 81.2% of deposits, 5th of 12 against a median of 86.0%, and equity is 10.2% of assets, 7th of 12. Loans grew +8.7% in the year, 4th of 12, and deposits grew 4.1%; the cohort's median loan growth is +6.6%.

Noncurrent loans are 0.10% of the book, the lowest in the cohort against a median of 0.60%; 0.25% is 30 to 89 days past due, and the allowance covers them 12.2 times. Commercial real estate is 47.0% of loans, 11th of 12 against a median of 34.5%, and 292% of capital, below the 300% screen, with construction at 55% against the 100% screen.

Return on assets is 1.35%, 7th of 12 against a median of 1.44%, on an efficiency ratio of 51.8%, 7th of 12. Five years ago it was 1.39%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansMountain West banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.60% Bo Bank of Colorado 0.10% Bo Bank of Utah 0.15% DL D L Evans Bank 0.26% CV Cache Valley Bank 0.29% AB Alpine Bank 0.31% FW First Western Trust Bank 0.60% SB Stockman Bank of Montana 0.60% SB Sunwest Bank 0.60% WF Wells Fargo National Bank West 0.97% MB Merrick Bank 3.52% GD Green Dot Bank dba Bonneville 3.56% CB Celtic Bank 3.63%
Loans, year over yearMountain West banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.6% CB Celtic Bank +37.6% SB Sunwest Bank +14.8% SB Stockman Bank of Montana +8.9% Bo Bank of Colorado +8.7% DL D L Evans Bank +7.0% FW First Western Trust Bank +6.7% CV Cache Valley Bank +6.5% AB Alpine Bank +6.2% Bo Bank of Utah +4.3% MB Merrick Bank +1.5% GD Green Dot Bank dba Bonneville -8.0% WF Wells Fargo National Bank West -11.1%

SBA 7(a), FY2008 to FY2026

Bank of Colorado is the 42nd largest 7(a) lender into Colorado of 401, with $63M across 134 loans, 0.5% of everything approved in the state (Wells Fargo Bank National Association leads with $1.20B). 21 of its 24 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Colorado, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Larimer, CO$13M16th of 1331.8%-1.0 pts
Denver, CO$8M45th of 1930.4%quiet FY2016
Douglas, CO$6M32nd of 1560.7%quiet FY2021
Weld, CO$5M29th of 1060.9%-0.6 pts
Arapahoe, CO$5M57th of 1660.3%quiet FY2021
Boulder, CO$5M36th of 1440.6%quiet FY2021
La Plata, CO$4M10th of 483.6%quiet FY2018
El Paso, CO$4M60th of 1640.3%quiet FY2021
Jefferson, CO$3M70th of 1830.2%quiet FY2015
Phillips, CO$2M1st of 480.6%quiet FY2010
Adams, CO$2M87th of 1340.1%quiet FY2015
Elbert, CO$1M16th of 432.2%quiet FY2010
Montrose, CO$1M18th of 391.4%quiet FY2012
11 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade27$17M26.8%0.03%345th of 2,589
Accommodation & food services27$10M15.3%0.01%578th of 2,596
Construction17$9M13.6%0.03%390th of 2,063
Manufacturing13$6M9.8%0.02%605th of 2,246
Other services10$5M8.2%0.01%529th of 2,248
7(a) lenders into Colorado, share of approvals since FY2008401 lenders on record; the ten largest and Bank of Colorado
WF Wells Fargo Bank National Associa… 9.6% $1.20B · 3,930 loans LO Live Oak Banking Company 7.6% $950M · 765 loans UB U.S. Bank, National Association 4.2% $527M · 3,267 loans HB Hanmi Bank 4.1% $513M · 612 loans SB Southstate Bank, National Associa… 3.3% $415M · 564 loans BB BMO Bank National Association 3.2% $398M · 568 loans Bo Bank of Hope 3.1% $393M · 559 loans KN KeyBank National Association 3.1% $384M · 1,029 loans JC JPMorgan Chase Bank, National Ass… 2.9% $364M · 1,874 loans TH The Huntington National Bank 2.9% $363M · 1,157 loans Bo Bank of Colorado 0.5% $63M · 134 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Bank of ColoradoRankCohort median
Total CRE against capital, the 300% screen292%8th of 12230%
Construction against capital, the 100% screen55%7th of 1255%
Construction and land development, share of loans8.9%7th of 128.0%
Non-owner-occupied nonfarm nonresidential, share of loans32.8%12th of 1219.4%
Total CRE, the guidance definition, share of loans47.0%11th of 1234.5%
CRE growth over 36 months, the third prong+22.2%3rd of 10+36.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Merrick Bank$9.13B2.5%33.6%3.52%11.62%15.4%117.2%17.6%
Wells Fargo National Bank West$8.77B1.0%23.4%0.97%0.00%0.3%68.4%19.2%
Stockman Bank of Montana$7.75B1.9%50.6%0.60%0.02%1.8%84.4%9.7%
Bank of Colorado$7.61B1.3%51.8%0.10%0.01%1.3%81.2%10.2%
Alpine Bank$6.69B1.3%61.4%0.31%0.12%1.1%75.8%10.8%
Green Dot Bank dba Bonneville$5.44B1.5%92.5%3.56%66.62%17.3%0.8%5.8%
Celtic Bank$5.33B3.3%33.2%3.63%0.46%1.6%117.3%17.4%
Sunwest Bank$4.41B1.6%61.6%0.60%0.00%1.8%103.7%9.3%
Bank of Utah$3.79B1.3%61.6%0.15%0.22%1.2%100.4%12.3%
D L Evans Bank$3.70B1.3%51.6%0.26%0.00%1.4%57.2%9.3%
Cache Valley Bank$3.49B2.0%39.1%0.29%0.09%1.3%87.6%10.5%
First Western Trust Bank$3.24B0.8%73.5%0.60%0.00%0.7%95.9%9.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank of ColoradoCohort median
20212026Change20212026Change
Loans$3.40B$5.38B+58%$2.37B$4.00B+69%
Deposits$5.47B$6.63B+21%$2.71B$4.47B+65%
NPA / loans0.43%0.10%-0.32 pts0.31%0.60%+0.29 pts
Efficiency51.1%51.8%+0.7 pts50.5%51.7%+1.2 pts
ROA1.39%1.35%-0.05 pts1.62%1.44%-0.18 pts

This read was prepared for Bank of Colorado's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bank of Colorado is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mountain West banks $3B to $10B
Institution www.bankofcolorado.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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