Bank Of Colorado Mortgage Rates, Fees & Info

Fort Collins, CO

LEI: 549300R0DP2GXAIMGB41

Tax ID: 84-0205240

5 stars

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Bank Of Colorado is a small bank specializing in Home Purchase and Refi loans. Bank Of Colorado has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Fort Collins, Denver, Durango, Greeley, and Glenwood Springs among others. We have data for 63 markets. (Some data included below & more in-depth data is available with an active subscription.)

Bank Of Colorado has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bank Of Colorado is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	6.53%	3/19/23
30 Year Conventional Refi	6.41%	3/19/23
30 Year Cash-out Refi	6.51%	3/19/23
30 Year FHA Purchase	7.49%	3/19/23
30 Year FHA Refi	7.07%	3/19/23
30 Year VA Purchase	6.15%	3/19/23
30 Year VA Refi	5.86%	3/19/23
30 Year USDA Purchase	6.57%	3/19/23
30 Year USDA Refi	6.38%	3/19/23
15 Year Conventional Purchase	6.25%	3/19/23
15 Year Conventional Refi	6.06%	3/19/23
15 Year Cash-out Refi	6.06%	3/19/23
15 Year FHA Purchase	7.33%	3/19/23
15 Year FHA Refi	5.68%	3/19/23
15 Year VA Refi	5.68%	3/19/23
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Originations

2,862

Origination Dollar Volume (All Markets)

$1,148,190,000

Employee count

703

Awards

Bank of Colorado 30 Year Conventional Loans silver

Bank of Colorado 30 Year Conventional Loans gold

Bank of Colorado 30 Year Conventional Loans bronze

Show all (10) awards

Relative Rate

Bank Of Colorado's average 30 year fixed mortgage rate was 3.04%.

The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

This yields a difference of -0.11%.

Relative Fees (Closing Costs)

Bank Of Colorado's average total fees/closing costs for a 30 year fixed rate mortgage were $4,352.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
FORT COLLINS, CO (FHA\|USDA\|VA)	521	$217,685,000	$417,821	$4,173	3.04%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	355	$214,815,000	$605,113	$5,003	3.21%
Durango, CO (FHA\|USDA\|VA)	256	$122,200,000	$477,344	$4,829	3.07%
GREELEY, CO (FHA\|USDA\|VA)	331	$113,785,000	$343,761	$3,972	3.10%
Outside of Metro Areas	382	$108,960,000	$285,236	$4,306	3.23%
Glenwood Springs, CO (FHA\|USDA\|VA)	114	$51,810,000	$454,474	$4,825	3.10%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	40	$35,650,000	$891,250	$7,075	3.12%
BOULDER, CO (FHA\|USDA\|VA)	43	$34,815,000	$809,651	$5,539	3.21%
Fort Morgan, CO (FHA\|USDA\|VA)	141	$34,365,000	$243,723	$4,512	3.28%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	108	$32,280,000	$298,889	$4,187	3.09%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	70	$29,670,000	$423,857	$3,649	3.34%
Sterling, CO (FHA\|USDA\|VA)	146	$27,770,000	$190,205	$3,661	3.31%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	83	$22,895,000	$275,843	$4,930	2.97%
Edwards, CO (FHA\|USDA\|VA)	18	$14,550,000	$808,333	$9,785	3.16%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	25	$13,245,000	$529,800	$6,592	3.31%
FARMINGTON, NM (FHA\|USDA\|VA)	12	$10,360,000	$863,333	$4,372	3.11%
Montrose, CO (FHA\|USDA\|VA)	37	$8,985,000	$242,838	$2,769	3.18%
Breckenridge, CO (FHA\|USDA\|VA)	9	$8,615,000	$957,222	$12,615	3.33%
Craig, CO (FHA\|USDA\|VA)	47	$8,075,000	$171,809	$3,941	3.14%
Steamboat Springs, CO (FHA\|USDA\|VA)	8	$5,820,000	$727,500	$8,007	2.99%
Gallup, NM (FHA\|USDA\|VA)	39	$5,355,000	$137,308	$2,679	3.35%
Gillette, WY (FHA\|USDA\|VA)	12	$2,880,000	$240,000	$3,979	2.88%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	6	$2,270,000	$378,333	$6,979	2.90%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	2	$2,220,000	$1,110,000	$3,640	3.50%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	1	$1,625,000	$1,625,000	$0	3.50%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	1	$1,505,000	$1,505,000	$24,324	2.95%
TUCSON, AZ (FHA\|USDA\|VA)	5	$1,485,000	$297,000	$4,699	2.89%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	1	$1,235,000	$1,235,000	$17,265	3.45%
LINCOLN, NE (FHA\|USDA\|VA)	3	$1,185,000	$395,000	$4,793	3.34%
Cañon City, CO (FHA\|USDA\|VA)	4	$880,000	$220,000	$3,026	3.53%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	1	$805,000	$805,000	$13,164	3.25%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	2	$770,000	$385,000	$4,889	3.06%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	2	$690,000	$345,000	$6,213	3.06%
WICHITA, KS (FHA\|USDA\|VA)	2	$620,000	$310,000	$0	3.75%
CHEYENNE, WY (FHA\|USDA\|VA)	2	$540,000	$270,000	$4,261	2.75%
Bozeman, MT (FHA\|USDA\|VA)	2	$500,000	$250,000	$0	3.50%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	1	$485,000	$485,000	$6,385	3.13%
Los Alamos, NM (FHA\|USDA\|VA)	1	$475,000	$475,000	$4,658	2.75%
Mount Pleasant, TX (FHA\|USDA\|VA)	1	$445,000	$445,000	$10,467	2.50%
PUEBLO, CO (FHA\|USDA\|VA)	1	$445,000	$445,000	$0	3.50%
PROVO-OREM, UT (FHA\|USDA\|VA)	1	$445,000	$445,000	$5,782	2.63%
Grants, NM (FHA\|USDA\|VA)	3	$435,000	$145,000	$3,512	3.69%
CASPER, WY (FHA\|USDA\|VA)	2	$400,000	$200,000	$2,804	3.06%
Nogales, AZ (FHA\|USDA\|VA)	1	$395,000	$395,000	$7,491	3.20%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	2	$350,000	$175,000	$3,618	3.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$295,000	$295,000	$4,677	3.25%
Granbury, TX (FHA\|USDA\|VA)	1	$295,000	$295,000	$7,573	2.88%
Riverton, WY (FHA\|USDA\|VA)	1	$285,000	$285,000	$8,466	2.88%
Jackson, WY-ID (FHA\|USDA\|VA)	1	$275,000	$275,000	$3,030	2.13%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	1	$265,000	$265,000	$0	4.00%
Española, NM (FHA\|USDA\|VA)	1	$255,000	$255,000	$7,263	2.50%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,995	3.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,869	3.13%
SANTA FE, NM (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,495	3.00%
Shawano, WI (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,847	2.75%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	2.75%
Laramie, WY (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	3.25%
Woodward, OK (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	3.00%
Coffeyville, KS (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,758	3.88%
FARGO, ND-MN (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	4.13%
Bemidji, MN (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,813	2.88%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	1	$65,000	$65,000	$1,280	2.63%
Show Low, AZ (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	4.25%

Bank Of Colorado's top markets include Fort Collins, Denver, Durango, Greeley, and Glenwood Springs among others.

Their top states include:

Colorado (FHA|USDA|VA)

Arizona (FHA|USDA|VA)

Texas (FHA|USDA|VA)

New Mexico (FHA|USDA|VA)

Wyoming (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Bank of Colorado based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

Grand Valley Bank
Similarity Rank: 182

COLORAMO
Similarity Rank: 284

First Credit Union
Similarity Rank: 378

AAXY L.L.C.
Similarity Rank: 540

The District Federal Credit Union
Similarity Rank: 882

AVENTA Credit Union
Similarity Rank: 930

ARIZONA CENTRAL
Similarity Rank: 1166

CAPITAL PLUS FINANCIAL, LLC
Similarity Rank: 1200

Credence Funding Corporation
Similarity Rank: 1313

WESTSTAR MORTGAGE CORPORATION
Similarity Rank: 1408

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,680	$1,092,770,000	$407,750	$4,228	3.17%
FHA	95	$26,895,000	$283,105	$9,566	3.05%
VA	60	$22,570,000	$376,167	$4,975	2.64%
USDA	27	$5,955,000	$220,556	$5,292	2.74%

For 2021, Bank Of Colorado's most frequently originated type of loan was Conventional, with 2,680 originations. Their 2nd most popular type was FHA, with 95 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,363	$623,985,000	$457,803	$6,013	3.24%
Refi	957	$374,325,000	$391,144	$3,269	3.02%
Cash Out Refi	422	$126,640,000	$300,095	$3,441	3.05%
Home Improvement	64	$10,620,000	$165,938	$1,943	3.60%
Other	56	$12,620,000	$225,357	$2,741	3.31%

For 2021, Bank Of Colorado's most frequently cited loan purpose was Home Purchase, with 1,363 originations. The 2nd most popular reason was Refi, with 957 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,847	$677,625,000	$366,879	$4,352	3.04%
15 Year	310	$71,090,000	$229,323	$2,841	2.90%
10 Year	296	$172,170,000	$581,655	$1,984	3.66%
30+ year	157	$121,665,000	$774,936	$10,303	3.37%
20 Year	104	$26,500,000	$254,808	$3,500	3.18%
Other	60	$39,180,000	$653,000	$1,919	3.71%
1 Year	55	$21,635,000	$393,364	$5,919	3.86%
5 Year	29	$14,885,000	$513,276	$676	3.69%
3 Year	4	$3,440,000	$860,000	$577	3.60%

For 2021, Bank Of Colorado's most frequently cited loan duration was 30 Year, with 1,847 originations. The 2nd most popular length was 15 Year, with 310 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	1,403	$437,535,000	$311,857
$5k+	232	$205,120,000	$884,138
$<1k	212	$64,610,000	$304,764
$2k-3k	196	$56,880,000	$290,204
$3k-4k	152	$54,360,000	$357,632
$4k-5k	106	$47,350,000	$446,698

Bank Of Colorado's average total fees were $4,352, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,403 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	1,291	$567,115,000	$439,284
2.5-3%	1,229	$483,265,000	$393,218
<2.5%	201	$63,765,000	$317,239
4-5%	132	$32,960,000	$249,697
5-6%	7	$745,000	$106,429
Over 8%	2	$340,000	$170,000

During 2021, Bank Of Colorado's average interest rate for loans was 3.04%, while their most frequently originated rate bucket for loans was 3-4%, with 1,291 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,198	$352,350,000	$294,115	$3,980	3.11%
$400k-600k	572	$278,840,000	$487,483	$4,503	3.03%
$100k-200k	513	$77,595,000	$151,257	$3,194	3.15%
$600k-1MM	233	$175,645,000	$753,841	$7,876	3.18%
$100,000 or less	218	$14,570,000	$66,835	$1,830	3.55%
$1MM+	128	$249,190,000	$1,946,797	$15,416	3.33%

2021 saw Bank Of Colorado place emphasis on $200k-400k loans with 1,198 originations, totaling $352,350,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	538	$194,930,000	$362,323	$4,105	3.08%
$50k-75k	477	$112,955,000	$236,803	$3,993	3.09%
$150k-250k	418	$183,350,000	$438,636	$4,623	3.06%
$250k+	375	$246,765,000	$658,040	$7,184	3.17%
$75k-100k	352	$100,550,000	$285,653	$3,968	3.10%
$50k or less	309	$49,295,000	$159,531	$3,333	3.13%

Bank Of Colorado lent most frequently to those with incomes in the $100k-150k range, with 538 originations. The second most popular income band? $50k-75k, with 477 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	562	$203,150,000	$361,477	$4,105	3.02%
30-36%	502	$186,320,000	$371,155	$4,411	3.10%
<20%	300	$108,140,000	$360,467	$4,423	3.02%
38%	100	$37,230,000	$372,300	$4,694	3.05%
42%	87	$29,955,000	$344,310	$4,287	3.00%
41%	86	$32,430,000	$377,093	$4,494	3.02%
39%	82	$31,520,000	$384,390	$4,575	3.09%
43%	81	$27,565,000	$340,309	$4,787	3.09%
36%	78	$27,760,000	$355,897	$4,432	3.12%
40%	77	$30,365,000	$394,351	$4,779	3.05%
44%	76	$22,510,000	$296,184	$3,872	3.04%
37%	74	$24,110,000	$325,811	$3,736	3.05%
49%	69	$21,975,000	$318,478	$4,265	3.00%
47%	67	$22,195,000	$331,269	$4,922	3.05%
45%	56	$18,180,000	$324,643	$4,225	3.04%
48%	54	$18,650,000	$345,370	$4,310	3.01%
46%	34	$12,790,000	$376,176	$4,774	3.00%
50-60%	34	$15,360,000	$451,765	$8,545	3.16%
>60%	8	$4,700,000	$587,500	$7,569	3.25%

Bank Of Colorado lent most frequently to those with DTI ratios of 20-30%, with 562 originations. The next most common DTI ratio? 30-36%, with 502 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,194	$780,130,000	$355,574	$4,287	3.09%
Not applicable	273	$202,715,000	$742,546	$18,826	3.70%
Not provided	328	$128,800,000	$392,683	$5,136	3.12%
Asian	39	$25,195,000	$646,026	$4,059	3.09%
American Indian	14	$5,520,000	$394,286	$4,006	3.11%
Black	12	$4,120,000	$343,333	$6,140	3.12%
Asian Indian	1	$1,105,000	$1,105,000	$14,373	3.38%
Other Asian	1	$605,000	$605,000	$3,094	3.38%

Approval Rates

Total approvals of all applications
93.70%

Bank Of Colorado has an average approval rate.

Pick Rate

Approvals leading to origination
80.99%

Bank Of Colorado has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	2,862	$1,148,190,000	$401,184

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	2,862	$1,148,190,000	$401,184

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	308	$92,900,000	$301,623	$2,981	3.11%
40-60%	687	$271,445,000	$395,116	$3,955	3.09%
60-80%	1,155	$534,995,000	$463,199	$4,882	3.22%
80-100%	592	$222,080,000	$375,135	$5,262	3.05%
Over 100%	21	$11,825,000	$563,095	$11,946	3.36%
Under 20%	97	$14,405,000	$148,505	$1,604	3.49%

Complaints

Bank Name	Product	Issue	2021 CPFB Complaints	% of Total Issues
BANK OF HAWAII CORPORATION	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	33.3%
BANK OF HAWAII CORPORATION	Conventional home mortgage	Closing on a mortgage	1	33.3%
BANK OF HAWAII CORPORATION	Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	1	33.3%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Bank of Colorado	100 Garfield St, Suite 100 Denver, CO 80206	Full Service B&M	$29,520
Bank of Colorado	1200 Railroad Avenue Rifle, CO 81650	Full Service B&M	$39,407
Bank of Colorado	205 Country Center Drive Pagosa Springs, CO 81147	Full Service B&M	$91,243
Bank of Colorado	206 E 4th St, Ste 200 Loveland, CO 80537	Full Service B&M	$10,335
Bank of Colorado	250 West Victory Way Craig, CO 81625	Full Service B&M	$133,645
Bank of Colorado	255 E Sheldon Ave, Suite B Prescott, AZ 86301	Full Service B&M	$18,198
Bank of Colorado	2679 W Main St, Suite 100 Littleton, CO 80120	Full Service B&M	$24,869
Bank of Colorado	275 Union Boulevard Lakewood, CO 80228	Full Service B&M	$106,400
Bank of Colorado	2903 Patterson Rd Grand Junction, CO 81504	Full Service B&M	$42,311
Bank of Colorado	301 Clayton Street Brush, CO 80723	Full Service B&M	$144,801
Bank of Colorado	3459 West 20th Street, Suite 114 Greeley, CO 80634	Full Service B&M	$213,535
Bank of Colorado	365 W 1st St Akron, CO 80720	Full Service B&M	$57,892
Bank of Colorado	394 East Bridge Street Hotchkiss, CO 81419	Full Service B&M	$45,835
Bank of Colorado	420 East 8th Avenue Yuma, CO 80759	Full Service B&M	$216,438
Bank of Colorado	421 North Tejon Street Colorado Springs, CO 80903	Full Service B&M	$96,662
Bank of Colorado	4328 Edison Avenue Colorado Springs, CO 80915	Full Service B&M	$32,120
Bank of Colorado	916 South Main Street, Suite 100 Longmont, CO 80501	Full Service B&M	$46,731
Bank of Colorado	945 S. Grand Mesa Drive Cedaredge, CO 81413	Full Service B&M	$72,834
Bank of Colorado	13 N 50th Ave Brighton, CO 80601	Full Service B&M	$48,283
Bank of Colorado	131 West Main Sterling, CO 80751	Full Service B&M	$266,811
Bank of Colorado	133 N Interocean Ave Holyoke, CO 80734	Full Service B&M	$52,028
Bank of Colorado	1443 Mesa View Drive Delta, CO 81416	Full Service B&M	$75,925
Bank of Colorado	1601 19th St, Suite 130 Denver, CO 80202	Full Service B&M	$0
Bank of Colorado	1601 19th Street, Suite 130 Denver, CO 80202	Full Service B&M	$82,997
Bank of Colorado	1609 East Harmony Road Fort Collins, CO 80525	Full Service Cyber Office	$14,003
Bank of Colorado	1609 East Harmony Road Fort Collins, CO 80525	Full Service B&M	$213,416
Bank of Colorado	1650 West Maloney Avenue Gallup, NM 87301	Full Service Retail	$3,805
Bank of Colorado	16550 S. Townsend Montrose, CO 81401	Full Service B&M	$57,311
Bank of Colorado	1804 East Aztec Avenue Gallup, NM 87301	Full Service B&M	$18,935
Bank of Colorado	1888 West Eisenhower Boulevard Loveland, CO 80537	Full Service B&M	$84,820
Bank of Colorado	200 Grand Avenue Grand Junction, CO 81501	Full Service B&M	$257,630
Bank of Colorado	200 North Townsend Avenue Montrose, CO 81401	Full Service B&M	$118,965
Bank of Colorado	4848 Thompson Parkway Johnstown, CO 80534	Full Service B&M	$181,417
Bank of Colorado	500 U.S. Highway 50, Business Loop Olathe, CO 81425	Full Service B&M	$29,880
Bank of Colorado	5201 South Yosemite Street Suite 100 Greenwood Village, CO 80111	Full Service B&M	$109,008
Bank of Colorado	529 Main Street, Suite 101 Fort Morgan, CO 80701	Full Service B&M	$146,479
Bank of Colorado	533 Big Thompson Avenue Estes Park, CO 80517	Full Service B&M	$161,074
Bank of Colorado	55 S Elm Ave Eaton, CO 80615	Full Service B&M	$280,493
Bank of Colorado	6 Town Plaza Durango, CO 81301	Full Service Retail	$12,849
Bank of Colorado	605 4th St Fort Lupton, CO 80621	Limited, Drive-thru	$0
Bank of Colorado	655 East Valley Road Basalt, CO 81621	Full Service B&M	$52,540
Bank of Colorado	7017 West 10th Street Greeley, CO 80634	Full Service B&M	$59,215
Bank of Colorado	901 E 120th Ave, Suite F Thornton, CO 80233	Full Service B&M	$7,597
Bank of Colorado	901 Grand Avenue Glenwood Springs, CO 81601	Full Service B&M	$186,577
Bank of Colorado	902 E. 2nd Avenue Durango, CO 81301	Limited, Drive-thru	$0
Bank of Colorado	1041 Main St Windsor, CO 80550	Full Service B&M	$295,328
Bank of Colorado	107 East Aztec Avenue Gallup, NM 87301	Full Service B&M	$361,315
Bank of Colorado	107 N. College Avenue Fort Collins, CO 80524	Full Service B&M	$0
Bank of Colorado	1102 E Lincoln Ave Fort Collins, CO 80524	Full Service B&M	$114,648
Bank of Colorado	111 S. Rollie Avenue Fort Lupton, CO 80621	Full Service B&M	$291,804
Bank of Colorado	1146 Interquest Parkway Colorado Springs, CO 80921	Full Service B&M	$26,376
Bank of Colorado	1199 Main Avenue Durango, CO 81301	Full Service B&M	$439,089

For 2021, Bank Of Colorado had 52 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$191,786
Net interest income	$183,943
Total noninterest income	$38,501
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$6,694
Trading account gains and fees	$0
Additional Noninterest Income	$31,807
Pre-tax net operating income	$104,796
Securities gains (or losses, -)	$5
Income before extraordinary items	$79,974
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$79,974
Minority interest net income	$0
Net income	$79,974
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$79,970

Bank Of Colorado's gross interest income from loans was $191,786,000.
Bank Of Colorado's net interest income from loans was $183,943,000.
Bank Of Colorado's fee based income from loans was $6,694,000.
Bank Of Colorado's net income from loans was $79,974,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$7,843
Provision for credit losses	$1,950
Total noninterest expense	$115,698
Salaries and employee benefits	$70,256
Premises and equipment expense	$12,873
Additional noninterest expense	$32,569
Applicable income taxes	$24,827
Net charge-offs	$133
Cash dividends	$0

Bank Of Colorado's interest expense for loans was $7,843,000.
Bank Of Colorado's payroll and benefits expense were $70,256,000.
Bank Of Colorado's property, plant and equipment expenses $12,873,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	1.8%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$5,772,275
Deposits held in domestic offices	$5,772,275
Deposits by Individuals, partnerships, and corporations	$5,222,209
Deposits by U.S. Government	$1
Deposits by States and political subdivisions in the U.S.	$549,119
Deposits by Commercial banks and other depository institutions in U.S.	$946
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$953,006
Demand deposits	$652,727
Nontransaction accounts	$4,819,269
Money market deposit accounts (MMDAs)	$3,318,445
Other savings deposits (excluding MMDAs)	$1,025,730
Total time deposits	$475,094
Total time and savings deposits	$5,119,548
Noninterest-bearing deposits	$608,720
Interest-bearing deposits	$5,163,555
Retail deposits	$5,614,004
IRAs and Keogh plan accounts	$62,420
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$6,574,472
Cash & Balances due from depository institutions	$343,315
Interest-bearing balances	$288,962
Total securities	$2,512,446
Federal funds sold & reverse repurchase	$0
Net loans and leases	$3,557,440
Loan and leases loss allowance	$45,766
Trading account assets	$0
Bank premises and fixed assets	$84,057
Other real estate owned	$0
Goodwill and other intangibles	$37,605
All other assets	$39,609

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$6,574,472
Total Liabilities	$6,008,543
Total deposits	$5,772,275
Interest-bearing deposits	$5,163,555
Deposits held in domestic offices	$5,772,275
% insured (estimated)	$59
Federal funds purchased and repurchase agreements	$173,535
Trading liabilities	$0
Other borrowed funds	$33,421
Subordinated debt	$0
All other liabilities	$29,312

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$3,557,440
Loan and leases loss allowance	$45,766
Total loans and leases (domestic)	$3,603,206
All real estate loans	$3,179,064
Real estate loans in domestic offices	$3,179,064
Construction and development loans	$391,572
Residential 1-4 family construction	$179,974
Other construction, all land development and other land	$211,598
Loans secured by nonfarm nonresidential properties	$1,565,935
Nonfarm nonresidential secured by owner-occupied properties	$457,834
Commercial real estate & other non-farm, non-residential	$1,108,101
Multifamily residential real estate	$169,970
1-4 family residential loans	$799,817
Farmland loans	$251,770
Loans held in foreign offices	$0
Farm loans	$144,304
Commercial and industrial loans	$197,106
To non-U.S. addressees	$0
Loans to individuals	$36,208
Credit card loans	$2,014
Related Plans	$973
Consumer Auto Loans	$16,072
Other loans to individuals	$17,149
All other loans & leases	$59,734
Loans to foreign governments and official institutions	$0
Other loans	$5,070
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$264
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$335
Non 1-4 family restructured loans & leases	$110
Total loans and leases (foreign)	$0

Bank of Colorado had $3,557,440,000 of loans outstanding in 2021. $3,179,064,000 of loans were in real estate loans. $391,572,000 of loans were in development loans. $169,970,000 of loans were in multifamily mortgage loans. $799,817,000 of loans were in 1-4 family mortgage loans. $144,304,000 of loans were in farm loans. $2,014,000 of loans were in credit card loans. $16,072,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	1,318	$394,145	$299,048
Nonfarm, nonresidential loans - <$100k	146	$6,201	$42,473
Nonfarm, nonresidential loans - $100-250k	418	$52,646	$125,947
Nonfarm, nonresidential loans - $250k-1MM	754	$335,298	$444,692
Commercial & Industrial, US addressed loans - <$1MM	2,008	$109,315	$54,440
Commercial & Industrial, US addressed loans - <$100k	1,436	$22,491	$15,662
Commercial & Industrial, US addressed loans - $100-250k	298	$24,568	$82,443
Commercial & Industrial, US addressed loans - $250k-1MM	274	$62,256	$227,212
Farmland loans - <$1MM	392	$59,701	$152,298
Farmland loans - <$100k	96	$4,315	$44,948
Farmland loans - $100-250k	177	$21,397	$120,887
Farmland loans - $250k-1MM	119	$33,989	$285,622
Agriculture operations loans - <$1MM	698	$43,143	$61,809
Agriculture operations loans - <$100k	416	$8,820	$21,202
Agriculture operations loans - $100-250k	166	$13,762	$82,904
Agriculture operations loans - $250k-1MM	116	$20,561	$177,250