BlastPoint's Banking Scorecard
Bank of Colorado
Mid-Market
Specialty: Commercial
CO
FDIC cert 16980
Fort Collins, CO
201
banks in Mid-Market tier nationally
3 in CO
View Mid-Market leaderboard (CO) →
Bank of Colorado shows strong momentum with 1 strength and 6.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 8% in Mid-Market
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.7B
+6.6% YoY
+3.7% QoQ
|
-$2.7B |
$10.5B
+2.9% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$5.2B
+10.6% YoY
+3.7% QoQ
|
-$2.0B |
$7.1B
+4.5% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$6.8B
+7.1% YoY
+4.3% QoQ
|
-$1.8B |
$8.5B
+3.0% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.07%
+41.6% YoY
+6.0% QoQ
|
-0.09% |
1.16%
+9.4% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.05%
+27.3% YoY
+3.6% QoQ
|
-0.34% |
3.40%
+7.9% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
56.27%
-10.4% YoY
-2.6% QoQ
|
-0.34% |
56.60%
-3.2% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.19%
-29.3% QoQ
|
-0.50% |
0.68%
+12.0% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
76.54%
+3.3% YoY
-0.6% QoQ
|
-8.93% |
85.47%
+1.1% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
28.98%
-1.4% YoY
-2.0% QoQ
|
+8.34% |
20.64%
-0.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.13%
-29.3% QoQ
|
-0.37% |
0.50%
+7.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
14.54%
-0.9% YoY
-1.3% QoQ
|
+0.99% |
13.55%
+1.8% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.40%
+5.8% YoY
+31.1% QoQ
|
-0.55% |
0.96%
+7.1% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#5 of 50 · Top 8% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.19%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.68%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.98% · Tier avg: 20.64%
77
77th pctile
Loan-to-Deposit Ratio
Current: 76.54% · Tier avg: 85.47%
76
76th pctile
Tier 1 Capital Ratio
Current: 14.54% · Tier avg: 13.55%
54
54th pctile
Efficiency Ratio
Current: 56.27% · Tier avg: 56.60%
49
49th pctile
Total Deposits
Current: $6.8B · Tier avg: $8.5B
42
42th pctile
Total Assets
Current: $7.7B · Tier avg: $10.5B
42
42th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
40
40th pctile
Total Loans
Current: $5.2B · Tier avg: $7.1B
30
30th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.40%
24
24th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.96%
Top Weaknesses
24
24th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.96%
30
30th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.40%
40
40th pctile
Total Loans
Current: $5.2B · Tier avg: $7.1B
42
42th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
42
42th pctile
Total Assets
Current: $7.7B · Tier avg: $10.5B
49
49th pctile
Total Deposits
Current: $6.8B · Tier avg: $8.5B
54
54th pctile
Efficiency Ratio
Current: 56.27% · Tier avg: 56.60%
76
76th pctile
Tier 1 Capital Ratio
Current: 14.54% · Tier avg: 13.55%
77
77th pctile
Loan-to-Deposit Ratio
Current: 76.54% · Tier avg: 85.47%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.98% · Tier avg: 20.64%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.68%