| Metric | Bank of Colorado | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +5.5% | -1.1 pts |
| Deposit growth (YoY) | +4.1% | +5.1% | -1.0 pts |
| Loan growth (YoY) | +8.7% | +5.9% | +2.8 pts |
| ROA | 1.35% | 1.26% | +0.1 pts |
| ROE | 13.6% | 12.2% | +1.5 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.61B | $6.63B | $5.31B | $776.5M | $51.4M | 1.35% | 3.56% | 0.07% |
| Q1 2026 | $7.56B | $6.62B | $5.24B | $745.0M | $23.6M | 1.24% | 3.44% | 0.10% |
| Q4 2025 | $7.71B | $6.75B | $5.17B | $738.9M | $79.0M | 1.07% | 3.05% | 0.13% |
| Q3 2025 | $7.44B | $6.47B | $4.98B | $708.9M | $55.3M | 1.01% | 2.95% | 0.18% |
| Q2 2025 | $7.29B | $6.37B | $4.89B | $680.9M | $33.3M | 0.92% | 2.84% | 0.04% |
| Q1 2025 | $7.28B | $6.34B | $4.75B | $646.1M | $14.7M | 0.81% | 2.72% | 0.04% |
| Q4 2024 | $7.23B | $6.31B | $4.67B | $613.2M | $56.5M | 0.75% | 2.40% | 0.01% |
| Q3 2024 | $7.86B | $6.31B | $4.61B | $607.9M | $39.0M | 0.69% | 2.30% | 0.01% |
Loan mix (Q2 2026): real estate $4.89B · commercial $210.4M · consumer $26.9M · securities $1.74B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Colorado | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.26% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 12.2% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.8% | 59.0% | 28th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Colorado | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Colorado | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Colorado | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Colorado | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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