Safest Banks in Colorado 2026
Colorado has 62 FDIC-insured banks with an average Bank Health Score of 71/100 (B). The safest bank is Alamosa State Bank with a score of 100/100.
Data from FDIC Q2 2024
62 Colorado banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Colorado's 62 FDIC-insured banks hold a combined $68.7B in assets. Their average Bank Health Score of 71/100 sits 1.0 points in line with the national average of 70/100. Across the state, 65% of banks earn an A or B grade for financial health, while 16% fall to a D or F.
The largest bank headquartered in Colorado is Htlf Bank with $18.7B in assets and a Bank Health Score of 85/100. The strongest by score is Alamosa State Bank in Alamosa (100/100, Tier 1 capital 19.91%). The weakest is Verus Bank of Commerce at 39/100, dragged down by an NPL ratio of 0.81%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Colorado
Alamosa State Bank
Alamosa, CO
Colorado's top-rated bank, with a Tier 1 capital ratio of 19.91% — well above the federal "well-capitalized" threshold of 8%. Holds $332M in assets.
Amg National Trust Bank
Boulder, CO
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.03% with $660M in total assets.
Frontier Bank
Lamar, CO
Third in the rankings on the Bank Health Score. Liquidity ratio of 53.40% and ROA of 1.59%.
Top 20 of 62 Banks in Colorado
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Alamosa State Bank | Alamosa | A | 100 | 19.91% | 0.00% |
| 2 | Amg National Trust Bank | Boulder | A | 100 | 18.59% | 0.03% |
| 3 | Frontier Bank | Lamar | A | 98 | 18.41% | 0.02% |
| 4 | Evergreen National Bank | Evergreen | A | 97 | 18.29% | 0.21% |
| 5 | First Southwest Bank | Alamosa | A | 95 | 33.97% | 0.00% |
| 6 | Farmers State Bank of Brush | Brush | A | 94 | 31.06% | 0.00% |
| 7 | Bank of Colorado | Fort Collins | A | 94 | 14.38% | 0.02% |
| 8 | Farmers State Bank of Calhan | Calhan | A | 94 | 16.51% | 0.21% |
| 9 | Pikes Peak National Bank | Colorado Springs | A | 91 | 23.41% | 0.00% |
| 10 | Pueblo Bank&Trust Co | Pueblo | A | 89 | 15.36% | 1.38% |
| 11 | Transact Bank National Assn | Denver | A | 89 | 28.35% | 0.00% |
| 12 | First National Bank Cortez | Cortez | A | 89 | 15.18% | 0.68% |
| 13 | Anb Bank | Denver | A | 89 | 13.51% | 0.14% |
| 14 | Alpine Bank | Glenwood Springs | A | 89 | 14.00% | 0.66% |
| 15 | San Luis Valley Federal Bank | Alamosa | A | 89 | 25.56% | 0.31% |
| 16 | Dolores State Bank | Dolores | A | 87 | 20.00% | 0.59% |
| 17 | Integrity Bank&Trust | Monument | A | 85 | 14.52% | 0.38% |
| 18 | Htlf Bank | Denver | A | 85 | 12.74% | 0.87% |
| 19 | Home Loan State Bank | Grand Junction | A | 85 | 12.82% | 0.00% |
| 20 | First American State Bank | Greenwood Villag | A | 84 | 13.22% | 0.00% |
Bank Health Scores for Colorado are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Alamosa State Bank in Alamosa is currently the safest bank in Colorado with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 19.91% and a nonperforming loan ratio of 0.00%.
Colorado has 62 FDIC-insured banks with a combined $68.7B in total assets. The average Bank Health Score across the state is 71/100 (Grade B).
Colorado's average Bank Health Score of 71/100 is 1.0 points in line with the national average of 70/100. 65% of banks in Colorado earn an A or B grade, compared with the national average grade of B.
Of 62 FDIC-insured banks headquartered in Colorado, 23 earn an A, 17 a B, 12 a C, 10 a D, and 0 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).