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Bank of Colorado
Fort Collins, CO·FDIC Cert #16980·Charter: STATE·Est. 19000101.0·HC: PINNACLE BCORP INC
Total Assets
$7.7B
Q4 2025
Return on Assets
1.07%
+0.06%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.27%
Peer avg: 57.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.07%+0.06
ROE
11.65%+0.52
Efficiency
56.27%-1.53
Equity/Assets
0.00%+0.00
NPL Ratio
0.19%-0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
76.54%-0.46
Charge-offs
0.01%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.7 | 0.8 | 0.8 | 0.9 | 1.0 | 1.1 |
| ROE | 9.2 | 9.3 | 9.3 | 9.9 | 9.3 | 10.3 | 11.1 | 11.7 |
| Efficiency | 66.0 | 65.5 | 65.0 | 62.8 | 63.4 | 60.0 | 57.8 | 56.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.3 | 0.2 |
| Charge-offs | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 73.1 | 74.8 | 73.1 | 74.1 | 75.0 | 76.8 | 77.0 | 76.5 |
Balance Sheet
Total Assets$7.7B
Total Deposits$6.8B
Total Loans$5.2B
Total Equity$738.9M
Profitability
ROA1.07%
ROE11.65%
Efficiency Ratio56.27%
Net Income$79.0M
Risk & Asset Quality
NPL Ratio0.19%
Charge-off Rate0.01%
Loan/Deposit76.54%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans