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

Colorado FSB

Greenwood Village, Colorado · $2.31B in assets · beside the 11 other the Mountain West banks between $1B and $3B (the state alone holds too few in the band to rank)

The filing

0.40%
ROA
12th of 12
11.3%
Equity / assets
10th of 12
69.2%
Efficiency
10th of 12

Colorado FSB is the eighth largest of the 12 the Mountain West banks nearest its size between $1B and $3B, with $2.31B in assets at 30 June 2026. Loans are 102.5% of deposits, 8th of 12 against a median of 89.3%, and equity is 11.3% of assets, 10th of 12. Loans grew +3.1% in the year, 9th of 12, and deposits grew 7.5%; the cohort's median loan growth is +14.1%.

Noncurrent loans are 0.50% of the book, 7th of 12 against a median of 0.49%; 0.23% is 30 to 89 days past due, and the allowance covers them 1.6 times. Commercial real estate is 29.3% of loans, 8th of 12 against a median of 24.8%, and 176% of capital, below the 300% screen, with construction at 117% against the 100% screen. CRE has grown +83.0% over 36 months, past the guidance's 50% prong.

Return on assets is 0.40%, the lowest in the cohort against a median of 2.06%, on an efficiency ratio of 69.2%, 10th of 12. Five years ago it was 0.85%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsMountain West banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 2.06% SF Square Finl Services Inc 33.75% CO Credit One Bank N.A. 23.94% CN Column National Association 4.99% W Webbank 4.80% MB Medallion Bank 2.16% Bo Bank of Commerce 2.09% CB Central Bank 2.03% SB State Bank of Southern Utah 1.73% NB Nelnet Bank 1.08% AB Anb Bank 0.87% OB Opportunity Bank of Montana 0.85% CF Colorado FSB 0.40%
Loans, year over yearMountain West banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +14.1% SF Square Finl Services Inc +124.1% NB Nelnet Bank +99.9% CN Column National Association +70.4% CO Credit One Bank N.A. +41.1% W Webbank +34.6% Bo Bank of Commerce +15.3% MB Medallion Bank +12.9% SB State Bank of Southern Utah +4.6% CF Colorado FSB +3.1% CB Central Bank +0.7% OB Opportunity Bank of Montana -0.6% AB Anb Bank -5.5%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Colorado FSBRankCohort median
Total CRE against capital, the 300% screen176%8th of 12104%
Construction against capital, the 100% screen117%12th of 1216%
Construction and land development, share of loans19.5%11th of 123.1%
Non-owner-occupied nonfarm nonresidential, share of loans0.9%6th of 126.9%
Total CRE, the guidance definition, share of loans29.3%8th of 1224.8%
CRE growth over 36 months, the third prong+83.0%8th of 10+33.8%
Commercial real estate against capital, the 300% screenMountain West banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 104% MB Medallion Bank 0% CO Credit One Bank N.A. 0% SF Square Finl Services Inc 0% W Webbank 1% NB Nelnet Bank 8% CN Column National Association 43% AB Anb Bank 166% CF Colorado FSB 176% Bo Bank of Commerce 181% CB Central Bank 185% OB Opportunity Bank of Montana 259% SB State Bank of Southern Utah 306%
CRE growth over 36 months, the guidance's third prongMountain West banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +33.8% MB Medallion Bank -100.0% CN Column National Association -18.0% AB Anb Bank +2.8% OB Opportunity Bank of Montana +7.5% CB Central Bank +16.7% Bo Bank of Commerce +50.9% SB State Bank of Southern Utah +55.8% CF Colorado FSB +83.0% W Webbank +288.3% NB Nelnet Bank +6555.4%

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
Nelnet Bank$3.00B1.1%37.6%2.17%0.59%1.7%65.7%15.5%
Webbank$2.86B4.8%63.3%0.51%0.40%1.0%107.5%16.7%
Anb Bank$2.85B0.9%78.0%0.37%0.00%0.8%69.2%7.1%
Medallion Bank$2.83B2.2%27.7%0.45%2.76%4.2%116.0%15.9%
State Bank of Southern Utah$2.74B1.7%46.1%0.47%0.26%1.2%80.3%11.4%
Credit One Bank N.A.$2.44B23.9%59.0%3.19%11.01%14.6%137.2%27.1%
Bank of Commerce$2.34B2.1%33.4%1.35%0.54%1.6%91.4%14.8%
Colorado FSB$2.31B0.4%69.2%0.50%0.02%0.8%102.5%11.3%
Central Bank$2.16B2.0%49.1%0.47%0.14%3.2%76.8%14.8%
Opportunity Bank of Montana$2.12B0.8%75.0%0.26%0.03%1.1%87.2%11.7%
Square Finl Services Inc$2.06B33.7%15.4%0.67%12.31%7.6%249.0%65.8%
Column National Association$1.77B5.0%38.9%0.06%-0.24%0.6%23.4%9.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Colorado FSBCohort median
20212026Change20212026Change
Loans$1.25B$1.65B+32%$967M$1.71B+77%
Deposits$1.40B$1.61B+15%$1.15B$1.87B+62%
NPA / loans0.53%0.50%-0.03 pts0.37%0.49%+0.12 pts
Efficiency49.5%69.2%+19.8 pts57.3%47.6%-9.7 pts
ROA0.85%0.40%-0.45 pts1.48%2.06%+0.57 pts

This read was prepared for Colorado FSB'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 Colorado FSB 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 $1B to $3B
Institution www.coloradofederalbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band. 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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