Bank of Colorado

Headquarters

1609 East Harmony Road
Fort Collins, CO 80525
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.91% →
1-Year CD 0.55% 0.85% →
2-Year CD 0.75% 0.95% →
5-Year CD 1.05% 1.30% →
30-Year Mortgage 4.16% 2.61% →
15-Year Mortgage 4.03% 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Bank of Colorado is an FDIC insured institution located in Fort Collins, CO. It was founded in 1900 and has approximately $4.56 billion in assets. Customers can open an account at one of its 51 branches.

FDIC Insured Yes
FDIC Certificate # 16980
Date Established 1900
Assets $ 4.56 billion
Loans $ 2.63 billion
Deposits $ 3.84 billion
Capital $ 467.32 million
 

For a more detailed analysis of Bank of Colorado's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 1, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Savings
0.05% $2,500 $4,999 Learn More
Savings
0.10% $2,500 $4,999 Learn More
Savings
0.01% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.01% $2,500 $2,999 Learn More
Money Market
0.03% $2,500 $2,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.01% $10,000 $14,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.03% $10,000 $14,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
Money Market
0.01% $25,000 $29,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
Money Market
0.04% $25,000 $29,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.05% $10,000 $14,999 Learn More
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.15% $100,000 $199,999 Learn More
3 Mo CD
0.10% $100,000 $199,999 Learn More
3 Mo CD
0.05% $100,000 $199,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
3 Mo CD
0.30% $100,000 $199,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.07% $10,000 $14,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
6 Mo CD
0.32% $100,000 $199,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
6 Mo CD
0.07% $100,000 $199,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.15% $10,000 $14,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
12 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.25% $10,000 $14,999 Learn More
18 Mo CD
0.20% $10,000 $14,999 Learn More
18 Mo CD
0.55% $10,000 $14,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.20% $100,000 $199,999 Learn More
18 Mo CD
0.35% $100,000 $199,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.45% $100,000 $199,999 Learn More
24 Mo CD
0.35% $10,000 $14,999 Learn More
24 Mo CD
0.45% $10,000 $14,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.30% $10,000 $14,999 Learn More
24 Mo CD
0.25% $10,000 $14,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.45% $100,000 $199,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.30% $100,000 $199,999 Learn More
24 Mo CD
0.25% $100,000 $199,999 Learn More
24 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More
30 Mo CD
0.70% $10,000 $14,999 Learn More
30 Mo CD
0.80% $10,000 $14,999 Learn More
30 Mo CD
0.40% $10,000 $14,999 Learn More
30 Mo CD
0.35% $10,000 $14,999 Learn More
30 Mo CD
0.50% $10,000 $14,999 Learn More
30 Mo CD
0.60% $10,000 $14,999 Learn More
30 Mo CD
0.30% $10,000 $14,999 Learn More
30 Mo CD
0.75% $10,000 $14,999 Learn More
30 Mo CD
0.60% $100,000 $199,999 Learn More
30 Mo CD
0.40% $100,000 $199,999 Learn More
30 Mo CD
0.30% $100,000 $199,999 Learn More
30 Mo CD
0.80% $100,000 $199,999 Learn More
30 Mo CD
0.35% $100,000 $199,999 Learn More
30 Mo CD
0.50% $100,000 $199,999 Learn More
30 Mo CD
0.70% $100,000 $199,999 Learn More
30 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.45% $10,000 $14,999 Learn More
36 Mo CD
0.40% $10,000 $14,999 Learn More
36 Mo CD
0.55% $10,000 $14,999 Learn More
36 Mo CD
0.80% $10,000 $14,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
0.35% $10,000 $14,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.45% $100,000 $199,999 Learn More
36 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.55% $100,000 $199,999 Learn More
36 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.70% $100,000 $199,999 Learn More
36 Mo CD
0.35% $100,000 $199,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
0.80% $10,000 $14,999 Learn More
48 Mo CD
0.50% $10,000 $14,999 Learn More
48 Mo CD
0.45% $10,000 $14,999 Learn More
48 Mo CD
0.60% $10,000 $14,999 Learn More
48 Mo CD
0.70% $10,000 $14,999 Learn More
48 Mo CD
0.35% $10,000 $14,999 Learn More
48 Mo CD
0.90% $10,000 $14,999 Learn More
48 Mo CD
0.50% $100,000 $199,999 Learn More
48 Mo CD
0.70% $100,000 $199,999 Learn More
48 Mo CD
0.45% $100,000 $199,999 Learn More
48 Mo CD
0.80% $100,000 $199,999 Learn More
48 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.35% $100,000 $199,999 Learn More
48 Mo CD
0.90% $100,000 $199,999 Learn More
60 Mo CD
0.65% $10,000 $14,999 Learn More
60 Mo CD
0.80% $10,000 $14,999 Learn More
60 Mo CD
0.50% $10,000 $14,999 Learn More
60 Mo CD
1.05% $10,000 $14,999 Learn More
60 Mo CD
0.60% $10,000 $14,999 Learn More
60 Mo CD
0.40% $10,000 $14,999 Learn More
60 Mo CD
0.70% $10,000 $14,999 Learn More
60 Mo CD
0.50% $100,000 $199,999 Learn More
60 Mo CD
0.65% $100,000 $199,999 Learn More
60 Mo CD
0.80% $100,000 $199,999 Learn More
60 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
0.60% $100,000 $199,999 Learn More
60 Mo CD
1.05% $100,000 $199,999 Learn More
60 Mo CD
0.40% $100,000 $199,999 Learn More
60 Mo CD
0.70% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $99 Learn MoreShow Less
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - December 1, 2020

Your Current Location: Connecticut, CT 06828

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Bank of Colorado branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Bank of Colorado Locations


Financial Details

Bank of Colorado Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Colorado. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Colorado U.S. Bank Average
2.08% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Bank of Colorado had $10,536,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $467,320,000 in equity and $39,526,000 in loans loss reserves. That gives it a Texas Ratio of 2.08%.

Return on Equity
Bank of Colorado U.S. Bank Average
10.54% 7.80%

Bank of Colorado has a Return on Equity of 10.54% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Colorado U.S. Bank Average
10.25% 12.68%

Bank of Colorado has a Capitalization of 10.25% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Colorado Balance Sheet Analysis

As of March 31, 2020, Bank of Colorado had assets of $4,560,820,000, loans of $2,634,787,000, and deposits of $3,839,193,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 353.35 million
Interest-bearing balances $ 269.52 million
Total securities $ 1,425.55 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.63 billion
Loan loss allowance $ 39.53 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 38.99 million
All other assets $ 27.70 million
     Total Assets $ 4.09 billion
LIABILITIES
Total deposits $ 3.84 billion
      Interest-bearing deposits $ 3.52 billion
      Deposits held in domestic offices $ 3.84 billion
      % insured (estimated) 67.24%
Federal funds purchased and repurchase agreements $ 163.72 million
Trading liabilities N.A.
Other borrowed funds $ 66.79 million
Subordinated debt N.A.
All other liabilities $ 23.80 million
      Total Liabilities $ 4.09 billion
      Shareholders’ Equity $ 467.32 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 41.95 million
Total Interest Expense $ 6.44 million
Net interest income $ 35.51 million
Provision for loan and lease losses $ 0.65 million
Total non interest income $ 6.60 million
Total non interest expense $ 25.75 million
Pre-tax Net Operating Income $ 15.72 million

Bank Loan Profile?

The top three loan types in Bank of Colorado’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Colorado, Bank of Colorado has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.67
Multifamily
Mortgages
4.16
Credit Card Loans 0.06
Consumer Auto Loans 0.64
Small Business Loans 13.28
Construction and Development Loans 8.85
Commercial Real Estate 44.26
Commercial and Industrial Loans 6.13
Farm Loans 4.84

Frequently Asked Questions About Bank Of Colorado

Branches and Savings

Is Bank Of Colorado FDIC insured?

Yes. It is covered under FDIC Certificate #16980.

Why does Bank Of Colorado pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Colorado CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Colorado a commercial bank?

Yes

Where are Bank Of Colorado locations?

See branch locations nearby.

Is Bank Of Colorado open on Saturdays?

Is Bank Of Colorado open on Sundays?

What time does Bank Of Colorado open?

What time does Bank Of Colorado close?

Are Bank Of Colorado ATMs Open 24/7?

Do Bank Of Colorado ATMs accept cash deposits?

Can Bank Of Colorado customers use other ATMs?

Do Bank Of Colorado branches have notaries?

Will Bank Of Colorado notarize my document?

What address for Bank Of Colorado should I put for incoming ACH transfers?

Will the Bank Of Colorado branch print checks?

Do Bank Of Colorado checks expire?

Does Bank Of Colorado require US citizenship to open account?

Can Bank Of Colorado close my account?

Does Bank Of Colorado Report to credit bureaus?

Does Bank Of Colorado Use Equifax?

What is Bank Of Colorado's ACH Routing Number?

What is Bank Of Colorado's SWIFT code?

Products

Does Bank Of Colorado offer mortgages?

Compare mortgage rates here.

Does Bank Of Colorado offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Colorado offer personal loans?

Compare personal loan rates here.

Does Bank Of Colorado offer student loans?

Will Bank Of Colorado cash a check?

Will Bank Of Colorado redeem a savings bond?

Does Bank Of Colorado cash savings bonds?

Will Bank Of Colorado cash money orders?

Can Bank Of Colorado issue a money order?

Does Bank Of Colorado do currency exchange?

Background on The Bank

Who owns Bank Of Colorado?

How long has Bank Of Colorado been around?

Can Bank Of Colorado transfer to other banks?

Does Bank Of Colorado have quick pay?

Does Bank Of Colorado accept rolled coins?

Will Bank Of Colorado accept loose change?

Where is Bank Of Colorado headquarters?

Customer Reviews for Bank of Colorado


  • February 07, 2020

    CDs 12 Month Rates

    I contacted the massage bank and they are not offering 2.02 it’s 1.10

  • February 07, 2020

    CDs 12 Month Rates

    I contacted the massage bank and they are not offering 2.02 it’s 1.10

  • March 13, 2019 |

    CDs 36 Month Rates

    The employees at the Longmont branch are very friendly. It takes no time at all to open an account and purchase a C.D.

  • July 26, 2018

    CDs 60 Month Rates

    I contacted their main branch in Fort Collins, CO. They claim they are not offering 3.28% on a 5 yr. CD w 110K Deposit.

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