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Overview / Commentary
1609 East Harmony Road
Fort Collins, CO 80525

Bank of Colorado is headquartered in Fort Collins and is the 3rd largest bank in the state of Colorado. It is also the 293rd largest bank in the nation. It was established in 1900 and as of March of 2014, it had grown to 482 employees at 42 locations. Bank of Colorado has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of Colorado had $14.49 million in non-current loans and owned real-estate with $283.73 million in equity and loan loss allowances on hand to cover it. This gives Bank of Colorado a Texas Ratio of 5.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Colorado decreased slightly from 7.04% as of March 31, 2013 to 5.11% as of March 31, 2014, resulting in a positive change of 27.42%.This indicates that the balance sheet and financial strength for Bank of Colorado has improved slightly in recent periods.

Deposit Growth


In the past year, Bank of Colorado has increased its total deposits by $152.72 million, resulting in 8.14% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Colorado has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Colorado has $2.52 billion in assets with $283.73 million in equity, resulting in a capitalization level of 11.28%, which is excellent.

Institution Statistics

FDIC Certificate #16980
Year Established1900
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.52 billion
Loans$1.54 billion
Deposits$2.03 billion
Equity Capital$254.60 million
Loan Loss Allowance$29.12 million
Unbacked Noncurrent Loans$12.55 million
Real Estate Owned$1.94 million
Historic Data - March 2013
Assets$2.32 billion
Equity Capital$251.14 million
Loan Loss Allowance$28.69 million
Unbacked Noncurrent Loans$12.55 million
Real Estate Owned$6.46 million
Profit Margin - Quarterly
Net Interest Margin3.34%
Return on Assets1.36%
Return on Equity13.77%
Interest Income$21.40 million
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Bank of Colorado Savings Account Rates

0.15%--Savings Account

Bank of Colorado Money Market Rates

0.20%$1m-Investors Money Market

Bank of Colorado Checking Account Rates

0.20%$1m-Interest Checking Account
0.20%$1m-Relationship Account

Bank of Colorado has 38 locations. Click to view all Bank of Colorado locations.