RANKING · Q2 2026

Lowest efficiency ratio in Colorado

57 of 63 banks in Colorado that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.

Lowest efficiency ratio in Colorado, Q2 2026
Rank	Institution	Headquarters	Efficiency ratio (noninterest expense / revenue)	Total assets
1	Alamosa State Bank	Alamosa, CO	38.3%	$340 million
2	Fowler State Bank	Fowler, CO	41.5%	$154 million
3	The Dolores State Bank	Dolores, CO	42.2%	$456 million
4	Community State Bank	Lamar, CO	43.3%	$208 million
5	Solera National Bank	Lakewood, CO	45.4%	$1.6 billion
6	North Valley Bank	Thornton, CO	45.4%	$269 million
7	Frontier Bank	Lamar, CO	45.5%	$436 million
8	First National Bank Colorado	Las Animas, CO	45.6%	$634 million
9	Wray State Bank	Wray, CO	47.9%	$312 million
10	Yampa Valley Bank	Steamboat Spring, CO	48.2%	$688 million
11	Bank of Colorado	Fort Collins, CO	49.5%	$7.6 billion
12	The Gunnison Bank and Trust Company	Gunnison, CO	50.4%	$255 million
13	5star Bank	Colorado Springs, CO	53.9%	$378 million
14	Farmers Bank	Ault, CO	54.5%	$297 million
15	Stockmens Bank	Colorado Springs, CO	54.9%	$651 million
16	First Pioneer National Bank	Wray, CO	56.4%	$243 million
17	Bank of Estes Park	Estes Park, CO	57.1%	$172 million
18	First National Bank, Cortez	Cortez, CO	59.2%	$157 million
19	Colorado Federal Savings Bank	Greenwood Villag, CO	60.0%	$2.3 billion
20	The Pueblo Bank and Trust Company	Pueblo, CO	60.3%	$815 million
21	Alpine Bank	Glenwood Springs, CO	61.1%	$6.7 billion
22	Home Loan State Bank	Grand Junction, CO	61.9%	$235 million
23	First Farmbank	Greeley, CO	62.3%	$384 million
24	Amg National Trust Bank	Boulder, CO	62.4%	$723 million
25	Verus Bank of Commerce	Fort Collins, CO	63.0%	$202 million
26	Timberline Bank	Grand Junction, CO	63.6%	$833 million
27	Rocky Mountain Bank and Trust	Florence, CO	64.4%	$127 million
28	Integrity Bank & Trust	Monument, CO	64.5%	$460 million
29	The Colorado Bank and Trust Company of La Junta	La Junta, CO	65.0%	$330 million
30	Points West Community Bank	Windsor, CO	65.1%	$878 million
31	Nbh Bank	Greenwood Villag, CO	65.9%	$12.5 billion
32	Del Norte Bank, A Savings and Loan Association	Del Norte, CO	66.3%	$155 million
33	High Plains Bank	Flagler, CO	67.8%	$643 million
34	Flatirons Bank	Boulder, CO	67.9%	$370 million
35	Farmers State Bank of Calhan	Calhan, CO	68.4%	$416 million
36	Mountain Valley Bank	Walden, CO	69.2%	$557 million
37	San Luis Valley Federal Bank	Alamosa, CO	69.7%	$390 million
38	The Eastern Colorado Bank	Cheyenne Wells, CO	69.8%	$721 million
39	Fms Bank	Fort Morgan, CO	70.9%	$325 million
40	High Country Bank	Salida, CO	71.0%	$528 million
41	Evergreen National Bank	Evergreen, CO	71.7%	$140 million
42	Native American Bank N.A.	Denver, CO	73.3%	$362 million
43	First Western Trust Bank	Denver, CO	74.5%	$3.2 billion
44	The Farmers State Bank of Brush	Brush, CO	76.1%	$117 million
45	Anb Bank	Denver, CO	77.1%	$2.9 billion
46	Fortis Bank	Denver, CO	77.8%	$1.4 billion
47	Redstone Bank	Centennial, CO	78.9%	$298 million
48	First American State Bank	Greenwood Villag, CO	80.0%	$277 million
49	First Southwest Bank	Durango, CO	80.5%	$657 million
50	Park State Bank & Trust	Woodland Park, CO	81.1%	$162 million
51	Pikes Peak National Bank	Colorado Springs, CO	81.7%	$111 million
52	Bankers' Bank of the West	Denver, CO	82.6%	$434 million
53	First National Bank in Trinidad	Trinidad, CO	82.8%	$251 million
54	The Citizens State Bank of Ouray	Ouray, CO	82.9%	$231 million
55	Rg Bank, A Savings and Loan Association	Monte Vista, CO	84.6%	$137 million
56	Gunnison Savings and Loan Association	Gunnison, CO	90.0%	$102 million
57	Equitable Savings and Loan Association	Sterling, CO	92.7%	$168 million

Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings