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Bank Of Colorado

IDRSSD: 255659
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
92
/ 100
StrongAs of 2024-Q2QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #255659 2024-Q2 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.01% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↓ -1
  • Capitalization
    ↑ +1
  • Asset Quality
    — —
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -2
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 74.8%, cash 1.0% of assets.

Cash / Assets
1.01%
Loans / Deposits
74.77%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.01% of assets (threshold 3%).

Securities

StrongQoQ -1
96
Sub-score

Securities profile is strong: securities 21.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.14%
No watch items at this period.

Capitalization

StrongQoQ +1
93
Sub-score

Capital position is strong: Tier 1 RBC 14.38%, CET1 14.38%, leverage 8.58%.

Tier 1 RBC
14.38%
CET1
14.38%
Leverage
8.58%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.02%, Texas Ratio 0.1%, NCO YTD 0.08%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.08%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
92
Sub-score

Reserves are strong: ALLL 1.25% of loans, coverage 6150.9%, true coverage 5973.9%.

ALLL / Loans
1.25%
Coverage
6150.9%
True Loss Coverage
5973.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 16:35:56 UTC