The catalogue › United States › Mountain West › Colorado
The state note · prepared 7 September 2026

Colorado

63 banks and 62 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

63 banks filing · read from the 30 June 2026 Call Report
63
banks filing
$56.6B in assets
+4.9%
Loans, year over year
median; 12 above 10%, 17 shrinking
24.2%
CRE / loans
median
81.6%
Loans / deposits
median
0.31%
NPA / loans
median
11.2%
Equity / assets
median

Colorado's 63 banks hold $56.6B in assets at 30 June 2026. NBH Bank is the largest at $12.5B, and the five largest hold 58% of the total; 8 institutions are above $1B, holding $38.2B.

Loans grew a median +4.9% in the year to 30 June 2026: 12 institutions grew faster than 10% and 17 shrank. The median bank lends 82% of its deposits and holds commercial real estate at 24.2% of loans. Nonperforming loans sit at a median 0.31% of the book, return on assets at 1.09%, and equity at 11.2% of assets.

16 of the 63 are in the catalogue, each read from its own filing beside the banks its size in the state: NBH Bank, Bank of Colorado, Alpine Bank, First Western Trust Bank, Anb Bank, Colorado FSB, Solera National Bank, Points West Community Bank, Timberline Bank, PB & Trust Bank, Amg National Trust Bank, Eastern Colorado Bank, Yampa Valley Bank, First Southwest Bank, Stockmens Bank, High Plains Bank.

Who holds the state's assetseach institution's share of the $56.6B the state's 63 hold; the largest first, amber in the catalogue
NBH Bank: 22.2%NB22%Bank of Colorado: 13.4%Bo13%Alpine Bank: 11.8%AB12%First Western Trust Bank: 5.7%FWAnb Bank: 5.0%ABColorado FSB: 4.1%CFSolera National Bank: 2.7%Fortis Bank: 2.4%Points West Community Bank: 1.6%Timberline Bank: 1.5%53 others 30%NBNBH Bank22.2%BoBank of Colorado13.4%ABAlpine Bank11.8%FWFirst Western Trust B…5.7%ABAnb Bank5.0%CFColorado FSB4.1%SNSolera National Bank2.7%FBFortis Bank2.4%PWPoints West Community…1.6%TBTimberline Bank1.5%

NBH Bank holds 22.2% of the state's bank assets; the five largest hold 58%, and 8 of the 63 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestNBH Bank: 22% of the totalThe five largest58% of the totalThe ten largest70% of the totalGINI0.70 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 58% of the assets in 8% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end26.5%$10.7BNonfarm nonresidential, non-owner-occupied19.0%$7.7BNonfarm nonresidential, owner-occupied12.1%$4.9BCommercial & industrial11.8%$4.8BConstruction & land8.7%$3.5BStates & municipalities4.4%$1.8BMultifamily4.4%$1.8BFarmland4.2%$1.7BHome equity lines3.7%$1.5BAgricultural production3.1%$1.2BConsumer, other1.1%$442MOther loans and leases0.7%$284MAuto0.2%$87MCredit card0.0%$12M

1-4 family residential, closed-end is the largest category at 26.5% of the state's $40.3B in loans, then Nonfarm nonresidential, non-owner-occupied at 19.0% and Nonfarm nonresidential, owner-occupied at 12.1%.

Loans, year over yearColorado banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 63 · amber, in the catalogue
state median +4.9% CB Colorado Bank & Trust Co. of Loan… +47.4% YA Young Americans Bank +46.2% NB NBH Bank +30.5% HP High Plains Bank +27.3% SB Stockmens Bank +23.0% FS Fowler State Bank +21.2% SN Solera National Bank +19.2% PT PB & Trust Bank +18.9% FN First National Bank Colorado +14.7% WS Wray State Bank +11.7% DS Dolores State Bank +11.5% CS Community State Bank +11.0% EN Evergreen National Bank +9.9% GB Gunnison Bank & Trust Co. +8.8% Bo Bank of Colorado +8.7% FS First Southwest Bank +8.7% FB Flatirons Bank +8.6% FB Frontier Bank +8.1% FN First National Bank of Fleming +7.5% VB Verus Bank of Commerce +7.3% NA Native American Bank N.A. +7.0% SL San Luis Valley Federal Bank +7.0% FN First National Bank Cortez +6.8% FW First Western Trust Bank +6.7% FB FMS Bank +6.5%

Colorado Bank & Trust Co. of Loan Association Junta grew fastest at +47.4%; 12 grew faster than 10% and 17 shrank, First American State Bank the most at -9.4%. The median is +4.9%.

Commercial real estate, share of loansColorado banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 63 · amber, in the catalogue
state median 24.2% VB Verus Bank of Commerce 66.9% AN Amg National Trust Bank 63.3% BB Bankers Bank of the West 54.6% PT PB & Trust Bank 48.5% sB 5star Bank 48.0% Bo Bank of Estes Park 47.0% Bo Bank of Colorado 47.0% RB Redstone Bank 43.7% FA First American State Bank 43.0% PP Pikes Peak National Bank 43.0% YV Yampa Valley Bank 40.9% FS Farmers State Bank of Calhan 38.5% EN Evergreen National Bank 37.7% NV North Valley Bank 37.3% FS First Southwest Bank 36.8% SN Solera National Bank 35.9% FW First Western Trust Bank 35.1% EC Eastern Colorado Bank 34.0% AB Alpine Bank 34.0% FB Fortis Bank 33.2% GB Gunnison Bank & Trust Co. 32.3% NB NBH Bank 29.3% CF Colorado FSB 29.3% CS Citizens State Bank of Ouray 29.2% FN First National Bank Cortez 28.9%

Verus Bank of Commerce is the most CRE-weighted at 66.9% of loans; 11 of the 63 are above 40%, against a median of 24.2%.

Commercial real estate against capital, the 300% screenColorado banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 63 · amber, in the catalogue
state median 155% 300% screen YV Yampa Valley Bank 342% PT PB & Trust Bank 317% VB Verus Bank of Commerce 317% FW First Western Trust Bank 312% Bo Bank of Colorado 292% BB Bankers Bank of the West 287% FA First American State Bank 286% FB Fortis Bank 267% Bo Bank of Estes Park 263% NV North Valley Bank 248% RB Redstone Bank 232% sB 5star Bank 228% HC High Country Bank 219% SN Solera National Bank 218% CS Citizens State Bank of Ouray 216% NB NBH Bank 215% EN Evergreen National Bank 208% CB Colorado Bank & Trust Co. of Loan… 198% HP High Plains Bank 197% IB Integrity Bank & Trust 190% AB Alpine Bank 190% FB Flatirons Bank 186% FS Farmers State Bank of Calhan 184% TB Timberline Bank 180% PP Pikes Peak National Bank 176%

4 of the 63 banks sit above the 300% screen, Yampa Valley Bank the highest at 342% of capital; the median is 155%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenColorado banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 63 · amber, in the catalogue
state median 40% 100% screen YV Yampa Valley Bank 204% FS Farmers State Bank of Calhan 150% EN Evergreen National Bank 139% HC High Country Bank 119% CF Colorado FSB 117% IB Integrity Bank & Trust 115% BB Bankers Bank of the West 104% PT PB & Trust Bank 90% PS Park State Bank & Trust 86% HL Home Loan State Bank 76% GB Gunnison Bank & Trust Co. 69% CS Citizens State Bank of Ouray 65% DS Dolores State Bank 65% FW First Western Trust Bank 64% FB Farmers Bank 63% HP High Plains Bank 62% PW Points West Community Bank 60% SN Solera National Bank 58% AB Alpine Bank 56% TB Timberline Bank 56% Bo Bank of Colorado 55% NB NBH Bank 52% MV Mountain Valley Bank 52% FN First National Bank Colorado 51% SB Stockmens Bank 50%

7 of the 63 banks sit above the 100% construction screen, Yampa Valley Bank the highest at 204%; the median is 40%.

Loans to depositsColorado banks, 30 June 2026 · listed highest first · the 25 highest of 63 · amber, in the catalogue
state median 82% BB Bankers Bank of the West 135% ES Equitable Savings & Loan Associat… 109% NV North Valley Bank 109% VB Verus Bank of Commerce 108% MS Mcclave State Bank 105% FN First National Bank of Fleming 103% CF Colorado FSB 103% DN Del Norte Bank 99% HC High Country Bank 99% SB Stockmens Bank 98% sB 5star Bank 97% CS Community State Bank 97% FW First Western Trust Bank 96% CB Colorado Bank & Trust Co. of Loan… 96% FB Fortis Bank 95% FA First American State Bank 94% IB Integrity Bank & Trust 94% DS Dolores State Bank 93% TB Timberline Bank 93% NB NBH Bank 93% MV Mountain Valley Bank 92% FF First Farmbank 90% FB FMS Bank 90% RB RG Bank A Savings & Loan Associat… 90% SL San Luis Valley Federal Bank 89%

7 of the 63 lend more than they hold in deposits, Bankers Bank of the West the furthest at 135%; the median is 82%.

Nonperforming loans, share of loansColorado banks, 30 June 2026 · listed highest first · the 25 highest of 63 · amber, in the catalogue
state median 0.31% YA Young Americans Bank 10.53% FB Farmers Bank 6.35% FS Fowler State Bank 3.46% FP First Pioneer National Bank 2.79% FN First National Bank Cortez 1.92% FB FMS Bank 1.71% RM Rocky Mountain Bank & Trust 1.71% WS Wray State Bank 1.50% RB RG Bank A Savings & Loan Associat… 1.50% SN Solera National Bank 1.45% HC High Country Bank 1.34% FN First National Bank of Fleming 1.12% BB Bankers Bank of the West 1.03% DS Dolores State Bank 1.02% CB Champion Bank 1.01% FN First National Bank in Trinidad 0.95% NA Native American Bank N.A. 0.94% CS Community State Bank 0.90% FF First Farmbank 0.88% HP High Plains Bank 0.70% NB NBH Bank 0.60% FW First Western Trust Bank 0.60% PT PB & Trust Bank 0.54% IB Integrity Bank & Trust 0.54% NV North Valley Bank 0.53%

Young Americans Bank carries the most nonperforming loans at 10.53% of the book; 15 of the 63 are above 1%, and the median is 0.31%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%2.00%4.00%6.00%8.00%10.00%12.00%14.00%16.00%NPA / loansAllowance / loansYAYoung Americans Bank+7.02%PWPoints West Community Bank+1.82%BoBank of Estes Park+1.75%CBChampion Bank+1.72%CSCommunity State Bank+1.71%FBFrontier Bank+1.67%FNFirst National Bank Colorado+1.66%RBRedstone Bank+1.62%PPPikes Peak National Bank+1.55%ECEastern Colorado Bank+1.44%SBStockmens Bank+1.38%YVYampa Valley Bank+1.32%FSFirst Southwest Bank+1.28%MSMcclave State Bank+1.19%BoBank of Colorado+1.16%ASAlamosa State Bank+1.15%FBFlatirons Bank+1.14%TBTimberline Bank+1.14%PSPark State Bank & Trust+1.11%GBGunnison Bank & Trust Co.+1.10%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 10 of the 63 hold an allowance smaller than their nonperforming loans.

Return on assetsColorado banks, 30 June 2026 · listed highest first · the 25 highest of 63 · amber, in the catalogue
state median 1.09% NV North Valley Bank 2.85% AN Amg National Trust Bank 2.42% AS Alamosa State Bank 2.41% YV Yampa Valley Bank 2.26% PT PB & Trust Bank 2.25% TB Timberline Bank 2.14% FN First National Bank Colorado 2.10% FB Frontier Bank 2.08% GB Gunnison Bank & Trust Co. 2.08% CS Community State Bank 1.95% sB 5star Bank 1.91% HP High Plains Bank 1.88% MS Mcclave State Bank 1.85% DS Dolores State Bank 1.84% FS Fowler State Bank 1.71% FB Farmers Bank 1.62% SN Solera National Bank 1.57% SB Stockmens Bank 1.49% RM Rocky Mountain Bank & Trust 1.48% FB Flatirons Bank 1.47% PW Points West Community Bank 1.40% WS Wray State Bank 1.36% Bo Bank of Colorado 1.35% AB Alpine Bank 1.30% FF First Farmbank 1.27%

North Valley Bank earns the most at 2.85% and Young Americans Bank the least at -11.84%; 9 of the 63 earn under 0.50%, and the median is 1.09%.

The efficiency ratio, with the return beside itColorado banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 63 · amber, in the catalogue
state median 67.9% FS Fowler State Bank 38.2% ROA 1.71% AS Alamosa State Bank 38.9% ROA 2.41% FB Frontier Bank 44.1% ROA 2.08% DS Dolores State Bank 44.5% ROA 1.84% CS Community State Bank 44.7% ROA 1.95% NV North Valley Bank 46.0% ROA 2.85% FN First National Bank Colorado 46.7% ROA 2.10% SN Solera National Bank 49.0% ROA 1.57% YV Yampa Valley Bank 49.3% ROA 2.26% TB Timberline Bank 49.4% ROA 2.14% MS Mcclave State Bank 50.3% ROA 1.85% GB Gunnison Bank & Trust Co. 51.1% ROA 2.08% Bo Bank of Colorado 51.8% ROA 1.35% sB 5star Bank 52.2% ROA 1.91% WS Wray State Bank 54.0% ROA 1.36% SB Stockmens Bank 54.0% ROA 1.49% FB Farmers Bank 56.2% ROA 1.62% FP First Pioneer National Bank 58.4% ROA 1.06% PT PB & Trust Bank 59.7% ROA 2.25% FF First Farmbank 61.0% ROA 1.27% AB Alpine Bank 61.4% ROA 1.30% FN First National Bank Cortez 62.0% ROA 0.60% PW Points West Community Bank 63.1% ROA 1.40% AN Amg National Trust Bank 63.5% ROA 2.42% RM Rocky Mountain Bank & Trust 64.3% ROA 1.48%

Fowler State Bank runs the leanest at 38.2% of revenue in cost; 12 of the 63 spend more than 80 cents of every revenue dollar, and the median is 67.9%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
NBH Bank$12.5B+30.5%29.3%93%0.60%1.03%13.3%
Bank of Colorado$7.6B+8.7%47.0%81%0.10%1.35%10.2%
Alpine Bank$6.7B+6.2%34.0%76%0.31%1.30%10.8%
First Western Trust Bank$3.2B+6.7%35.1%96%0.60%0.84%9.8%
Anb Bank$2.9B-5.5%27.2%69%0.37%0.87%7.1%
Colorado FSB$2.3B+3.1%29.3%103%0.50%0.40%11.3%
Solera National Bank$1.6B+19.2%35.9%70%1.45%1.57%7.7%
Fortis Bank$1.4B+3.6%33.2%95%0.49%0.72%8.6%
Points West Community Bank$878M-1.2%27.0%61%0.06%1.40%7.9%
Timberline Bank$833M+6.4%23.6%93%0.06%2.14%8.2%
PB & Trust Bank$815M+18.9%48.5%85%0.54%2.25%10.7%
Amg National Trust Bank$723M-0.7%63.3%47%0.04%2.42%17.1%
Eastern Colorado Bank$721M-5.9%34.0%75%0.00%1.13%11.3%
Yampa Valley Bank$688M+4.3%40.9%88%0.09%2.26%8.5%
First Southwest Bank$657M+8.7%36.8%70%0.04%0.60%13.3%
Five years, 2021 to 2026the 63 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$25.5B$40.3B+58%
Deposits, in total$37.0B$48.0B+30%
NPA / loans, median0.24%0.31%+0.07 pts
Efficiency, median60.6%67.9%+7.3 pts
ROA, median1.33%1.09%-0.24 pts

Small-business lending

SBA 7(a) approvals into Colorado since FY2008, across every lender type

$12.6B of 7(a) credit has been approved into Colorado since FY2008 across 26,375 loans. Accommodation & food services is the largest category at 15.9%, Retail trade at 14.3%, Health care & social assistance at 11.8%; the three together are 42% of the money. The heaviest losses fall in Wholesale trade, at 2.72% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 401 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
WF Wells Fargo Bank National Associa… 9.6% $1.2B · 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 BN BOKF National Association 2.2% $281M · 502 loans PB PNC Bank, National Association 2.0% $253M · 812 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services16.7%$2.0B · 3,045 loansRetail trade15.1%$1.8B · 3,706 loansHealth care & social assistance12.4%$1.5B · 2,367 loansConstruction11.7%$1.4B · 3,660 loansProfessional & technical services9.8%$1.2B · 3,169 loansOther services9.4%$1.1B · 2,561 loansManufacturing8.3%$991M · 1,799 loansAdministrative & waste services3.9%$463M · 1,282 loansReal estate & leasing3.7%$445M · 766 loansWholesale trade3.7%$443M · 954 loansArts, entertainment & recreation3.3%$393M · 865 loansTransportation & warehousing2.0%$239M · 726 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$2.0B3,04515.9%$28M1.40%
Retail trade$1.8B3,70614.3%$27M1.51%
Health care & social assistance$1.5B2,36711.8%$16M1.10%
Construction$1.4B3,66011.1%$36M2.58%
Professional & technical services$1.2B3,1699.4%$21M1.76%
Other services$1.1B2,5618.9%$14M1.28%
Manufacturing$991M1,7997.9%$11M1.07%
Administrative & waste services$463M1,2823.7%$8M1.73%
Real estate & leasing$445M7663.5%$4M0.90%
Wholesale trade$443M9543.5%$12M2.72%
Arts, entertainment & recreation$393M8653.1%$7M1.87%
Transportation & warehousing$239M7261.9%$7M3.12%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Denver$1.9B4,403193
Arapahoe$1.6B3,396166
Jefferson$1.5B3,080183
El Paso$1.2B2,841164
Adams$1.1B2,042134
Boulder$832M1,884144
Douglas$831M1,824156
Larimer$756M1,620133
Weld$620M1,118106
Mesa$257M51667

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Colorado institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Colorado

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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