Bank of Colorado

1609 East Harmony Road
Fort Collins, CO 80525

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16980
Date Established 1900
Assets $3.66 billion
Loans $2.38 billion
Deposits $3.14 billion
Capital $0.36 billion

Bank of Colorado is an FDIC insured institution located in Fort Collins, CO. It was founded in 1900 and has approximately $3.66 billion in assets. Customers can open an account at one of its 51 branches.

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.

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, Bank of Colorado’s loan portfolio does not show any specific loan specialty.

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 22.61
Multifamily
Mortgages
3.00
Credit Card Loans 0.06
Consumer Auto Loans 0.67
Small Business Loans 13.79
Construction and Development Loans 7.59
Commercial Real Estate 43.49
Commercial and Industrial Loans 7.84
Farm Loans 5.44

Deposit Rates - October 17, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.50% $1,000 $24,999 Learn MoreShow Less
Money Market
0.10% $1,000 $24,999 Learn MoreShow Less
Money Market
0.60% $1,000 $24,999 Learn MoreShow Less
Money Market
0.40% $1,000 $24,999 Learn MoreShow Less
Money Market
0.25% $1,000 $24,999 Learn MoreShow Less
Money Market
0.65% $1,000 $24,999 Learn MoreShow Less
Money Market
0.15% $1,000 $24,999 Learn MoreShow Less
Money Market
0.20% $1,000 $24,999 Learn MoreShow Less
Money Market
0.90% $25,000 $99,999 Learn MoreShow Less
Money Market
0.15% $25,000 $99,999 Learn MoreShow Less
Money Market
0.65% $25,000 $99,999 Learn MoreShow Less
Money Market
1.00% $25,000 $99,999 Learn MoreShow Less
Money Market
0.45% $25,000 $99,999 Learn MoreShow Less
Money Market
0.20% $25,000 $99,999 Learn MoreShow Less
Money Market
0.70% $25,000 $99,999 Learn MoreShow Less
Money Market
0.50% $25,000 $99,999 Learn MoreShow Less
Money Market
0.30% $25,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $1 - Learn MoreShow Less
3 Mo CD
0.65% $1,000 - Learn MoreShow Less
3 Mo CD
0.80% $1,000 - Learn MoreShow Less
3 Mo CD
1.51% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.60% $1,000 - Learn MoreShow Less
3 Mo CD
0.10% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.90% $1,000 - Learn MoreShow Less
3 Mo CD
0.50% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
1.76% $100,000 - Learn MoreShow Less
6 Mo CD
1.10% $1,000 - Learn MoreShow Less
6 Mo CD
0.34% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
1.00% $1,000 - Learn MoreShow Less
6 Mo CD
0.90% $1,000 - Learn MoreShow Less
6 Mo CD
0.20% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.85% $1,000 - Learn MoreShow Less
6 Mo CD
1.76% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.75% $1,000 - Learn MoreShow Less
6 Mo CD
0.75% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
2.01% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.54% $1,000 - Learn MoreShow Less
Fixed IRA
0.50% $1,000 $99,999 Learn MoreShow Less
Fixed IRA
1.61% $1,000 $9,999 Learn MoreShow Less
Fixed IRA
1.51% $1,000 - Learn MoreShow Less
Fixed IRA
1.16% $1,000 $99,999 Learn MoreShow Less
Fixed IRA
1.00% $1,000 - Learn MoreShow Less
Fixed IRA
2.02% $1,000 $99,999 Learn MoreShow Less
Fixed IRA
1.26% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.15% $1,000 $9,999 Learn MoreShow Less
Int Ckg
0.06% $1,000 $9,999 Learn MoreShow Less
Int Ckg
0.10% $1,000 $9,999 Learn MoreShow Less
Int Ckg
0.07% $1,000 $9,999 Learn MoreShow Less
Int Ckg
0.35% $1,000 $9,999 Learn MoreShow Less
Int Ckg
0.01% $1,000 $9,999 Learn MoreShow Less
Int Ckg
0.30% $1,000 $9,999 Learn MoreShow Less
Int Ckg
0.20% $1,000 $9,999 Learn MoreShow Less
Int Ckg
0.05% $1,000 $9,999 Learn MoreShow Less

Loan Rates - October 17, 2018

Your Current Location: Virginia, VA 20146

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:
Ashburn,Virginia


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
6.45% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2018, Bank of Colorado had $25,326,000 in non-current loans and $271,000 in owned real estate. To cover these potential losses it had $357,796,000 in equity and $38,790,000 in loans loss reserves. That gives it a Texas Ratio of 6.45%.

Return on Equity
Bank of Colorado U.S. Bank Average
21.59% 9.77%

Bank of Colorado has a Return on Equity of 21.59% versus the BestCashCow average of 9.77%. 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
9.78% 12.31%

Bank of Colorado has a Capitalization of 9.78% versus the BestCashCow average of 12.31. 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 June 30, 2018, Bank of Colorado had assets of $3,660,226,000, loans of $2,383,975,000, and deposits of $3,140,575,000. 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

June 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.08 billion
Interest-bearing balances $0.02 billion
Total securities $1.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $2.38 billion
Loan loss allowance $0.04 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.04 billion
All other assets $0.03 billion
     Total Assets $3.30 billion
LIABILITIES
Total deposits $3.14 billion
      Interest-bearing deposits $2.89 billion
      Deposits held in domestic offices $3.14 billion
      % insured (estimated) 67.64%
Federal funds purchased and repurchase agreements $0.12 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.04 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $3.30 billion
      Shareholders’ Equity $0.36 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.07 billion
Total Interest Expense $0.01 billion
Net interest income $0.06 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.04 billion
Pre-tax Net Operating Income $0.03 billion

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


  • R.S.

    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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