BlastPoint's Banking Scorecard
Bank of Colorado
Fort Collins, CO
60 branches across CO · AZ · NM
Bank of Colorado has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 12.7% in tier
- + Efficiency Ratio 6.82% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11.7% in tier
- - ROA 0.13% below tier average
- - Net Interest Margin 0.37% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.6B
+3.9% YoY
-1.9% QoQ
|
+$4.7B |
$2.8B
-0.1% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
Top 5.8% in tier |
| Total Loans ? |
$5.2B
+10.3% YoY
+1.3% QoQ
|
+$3.3B |
$2.0B
+0.6% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
Top 5.7% in tier |
| Total Deposits ? |
$6.6B
+4.4% YoY
-2.0% QoQ
|
+$4.3B |
$2.3B
-0.3% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
Top 4.8% in tier |
| Return on Assets ? |
1.24%
+52.7% YoY
+15.7% QoQ
|
-0.13% |
1.37%
+19.6% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
3.44%
+26.4% YoY
+12.8% QoQ
|
-0.37% |
3.82%
+6.9% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
54.24%
-14.5% YoY
-3.6% QoQ
|
-6.82% |
61.06%
-4.6% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
0.14%
+153.1% YoY
-26.7% QoQ
|
-0.75% |
0.89%
+14.1% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
Top 15.0% in tier |
| Loan-to-Deposit Ratio ? |
79.17%
+5.6% YoY
+3.4% QoQ
|
-5.03% |
84.20%
+0.3% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
30.11%
+1.8% YoY
+3.9% QoQ
|
+8.82% |
21.29%
-2.5% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.10%
+168.7% YoY
-24.2% QoQ
|
-0.58% |
0.67%
+15.6% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
Top 13.8% in tier |
| Tier 1 Capital Ratio ? |
14.42%
-2.1% YoY
-0.8% QoQ
|
-0.74% |
15.16%
+2.0% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.11%
+30.5% YoY
-72.6% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
37% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.