BlastPoint's Banking Scorecard

Bank of Colorado

$1B-$10B Specialty: Commercial CO FDIC cert 16980

Fort Collins, CO

60 branches across CO · AZ · NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 7 in CO.
Deposits +4.1% year over year ($6.6B on the books).
Delinquency rate 0.10%.
Return on assets 1.35%.
Efficiency ratio 51.77% vs a 59.73% peer average.
Loan-to-deposit ratio 80.19% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 7 in CO

View $1B-$10B leaderboard (CO) →

Bank of Colorado has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 25.3% in tier
+ Efficiency Ratio 7.96% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.7% in tier
- Credit Risk Growth: Bottom 38.1% in tier
- Net Interest Margin 0.31% below tier average

Get updates when Bank of Colorado releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$7.6B +4.4% YoY +0.7% QoQ	+$4.8B	$2.8B -0.6% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	Top 5.2% in tier
Total Loans ?	$5.3B +8.7% YoY +1.5% QoQ	+$3.4B	$2.0B -0.3% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	Top 5.3% in tier
Total Deposits ?	$6.6B +4.1% YoY +0.2% QoQ	+$4.3B	$2.3B -0.5% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	Top 4.2% in tier
Return on Assets ?	1.35% +47.1% YoY +9.0% QoQ	-0.04%	1.39% +17.0% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	59%
Net Interest Margin ?	3.56% +25.5% YoY +3.4% QoQ	-0.31%	3.87% +6.2% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	40%
Efficiency Ratio ?	51.77% -13.7% YoY -4.6% QoQ	-7.96%	59.73% -12.6% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	73%
Delinquency Rate ?	0.10% +57.7% YoY -24.2% QoQ	-0.76%	0.87% +11.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	Top 12.5% in tier
Loan-to-Deposit Ratio ?	80.19% +4.4% YoY +1.3% QoQ	-4.85%	85.04% -0.1% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	30.76% +4.2% YoY +2.2% QoQ	+9.48%	21.27% -1.5% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	Top 13.8% in tier
Nonperforming Asset Ratio ?	0.07% +64.2% YoY -23.6% QoQ	-0.60%	0.67% +11.7% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	Top 11.9% in tier
Tier 1 Capital Ratio ?	14.74% +0.0% YoY +2.2% QoQ	-0.10%	14.84% -0.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.23% +21.0% YoY +107.9% QoQ	-0.30%	0.53% +2.5% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	37%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Noninterest-Bearing	30.8% +1.2pp YoY +0.6pp QoQ	+9.4pp	21.4%	23.5%	22.2%	86%
Brokered Deposits	n/a	n/a	9.5%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	4.0% -0.4pp YoY -0.1pp QoQ	-10.0pp	14.0%	8.4%	12.5%	13%
CRE	58.1% +0.7pp YoY -0.4pp QoQ	+8.0pp	50.0%	42.8%	41.4%	71%
1-4 Family	28.7% 0.0pp YoY +0.7pp QoQ	+2.3pp	26.4%	33.0%	31.3%	63%
Consumer	0.5% -0.1pp YoY 0.0pp QoQ	-4.2pp	4.7%	3.9%	5.0%	32%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	14.7% 0.0pp YoY +0.3pp QoQ	-0.9pp	15.6%	24.9%	19.7%	67%
Leverage Ratio	10.5% +0.6pp YoY +0.3pp QoQ	-0.8pp	11.3%	12.5%	12.6%	50%
Total Capital Ratio	16.0% 0.0pp YoY +0.3pp QoQ	-0.7pp	16.7%	26.1%	20.8%	68%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	742 +12 (+1.6%) YoY +26 (+3.6%) QoQ	+428	313	107	482	94%
Assets per Employee ($)	$10.3M +2.7% YoY -2.9% QoQ	-$224K	$10.5M	$7.8M	$8.8M	68%
Branch Count	60 +1 (+1.7%) YoY +1 (+1.7%) QoQ	+40	20	7	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.7%	0.4%	9%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.8%	1.0%	11%
Allowance Coverage	12.24x -35.9% YoY +32.8% QoQ	-6.47x	18.71x	12.16x	20.23x	91%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	13.6% +3.3pp YoY +0.9pp QoQ	+1.0pp	12.6%	9.7%	11.6%	62%
Cost of Funds (YTD)	1.4% -0.4pp YoY 0.0pp QoQ	-0.6pp	1.9%	1.7%	1.7%	15%
Net Income ($, YTD)	$51.4M +54.4% YoY — QoQ	+$32.1M	$19.2M	$5.4M	$40.4M	94%

Get Full Access to Bank of Colorado

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#57 of 221 • Top 25.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.10%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#34 of 492 • Bottom 6.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.10%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#154 of 402 • Bottom 38.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

Total Deposits

size

Value: $6.63B

Peer Median: $2.32B

#38 of 885 Top 4.2% in $1B-$10B

Total Assets

size

Value: $7.61B

Peer Median: $2.79B

#47 of 885 Top 5.2% in $1B-$10B

Total Loans

size

Value: $5.31B

Peer Median: $1.96B

#48 of 885 Top 5.3% in $1B-$10B

106

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#106 of 885 Top 11.9% in $1B-$10B

111

Delinquency Rate

credit_quality

Value: 0.10%

Peer Median: 0.87%

#111 of 882 Top 12.5% in $1B-$10B

123

Non-Interest-Bearing Deposit Share

funding

Value: 30.76%

Peer Median: 21.27%

#123 of 885 Top 13.8% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available