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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 292nd largest bank in the nation. It was established in 1900 and as of December of 2013, it had grown to 480 employees at 42 locations. Bank of Colorado has a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Bank of Colorado had $15.76 million in non-current loans and owned real-estate with $272.07 million in equity and loan loss allowances on hand to cover it. This gives Bank of Colorado a Texas Ratio of 5.79% 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 dramatically from 8.30% as of December 31, 2012 to 5.79% as of December 31, 2013, resulting in a positive change of 30.19%.This indicates that the balance sheet and financial strength for Bank of Colorado has improved dramatically in recent periods.

Deposit Growth


In the past year, Bank of Colorado has increased its total deposits by $118.84 million, resulting in 6.13% 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 $2.53 billion in assets with $272.07 million in equity, resulting in a capitalization level of 10.76%, which is above average.

Institution Statistics

FDIC Certificate #16980
Year Established1900
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.53 billion
Loans$1.52 billion
Deposits$2.06 billion
Equity Capital$243.34 million
Loan Loss Allowance$28.74 million
Unbacked Noncurrent Loans$13.86 million
Real Estate Owned$1.90 million
Historic Data - December 2012
Assets$2.35 billion
Equity Capital$244.16 million
Loan Loss Allowance$29.63 million
Unbacked Noncurrent Loans$13.86 million
Real Estate Owned$528,000
Profit Margin - Quarterly
Net Interest Margin3.39%
Return on Assets1.65%
Return on Equity16.54%
Interest Income$85.02 million

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