Colorado borrowers have a broad group of locally headquartered banks to consider for commercial property financing. BestCRE ranks 25 of those institutions by total commercial real estate loans reported as of June 30, 2026. Together, the banks in the table held $16.1 billion in CRE loans, including $3.1 billion in construction and land loans, $1.7 billion in multifamily loans, $4.2 billion in owner occupied loans and $7.1 billion in investor nonfarm nonresidential loans. The ranking draws on FDIC Call Reports, formally called Reports of Condition and Income, with loan categories taken from schedule RC-C.
The table is a starting point for identifying banks whose reported portfolios align with a proposed transaction. It does not establish whether a bank will approve a particular loan or indicate current pricing and terms. Commercial bank lending is relationship driven and local, while call reports present institutionwide balances. Colorado had 62 headquartered banks with $17.8 billion in total CRE loans, up +10.9% year over year. The top five accounted for 62.5% of that balance. Banks headquartered outside Colorado are excluded from the ranking even when they operate substantial branch networks and hold deposits in the state.
Colorado banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | NBH Bank | Greenwood Village, CO | $4,089 | $698 | $300 | $1,221 | +31.9% | 41.7% |
| 2 | Bank of Colorado | Fort Collins, CO | $3,086 | $479 | $286 | $557 | +10.0% | 57.3% |
| 3 | Alpine Bank | Glenwood Springs, CO | $2,079 | $448 | $206 | $558 | +8.2% | 46.4% |
| 4 | First Western Trust Bank | Denver, CO | $1,182 | $196 | $232 | $221 | +7.4% | 43.2% |
| 5 | ANB Bank | Denver, CO | $701 | $70.7 | $180 | $220 | -6.7% | 39.7% |
| 6 | Fortis Bank | Denver, CO | $589 | $31.8 | $46.1 | $237 | +11.5% | 55.6% |
| 7 | Colorado Federal Savings Bank | Greenwood Village, CO | $483 | $321 | $147 | $0.0 | +1.3% | 29.3% |
| 8 | PB&T Bank | Pueblo, CO | $449 | $84.0 | $26.3 | $152 | +12.7% | 73.4% |
| 9 | Solera National Bank | Lakewood, CO | $342 | $85.5 | $84.6 | $19.8 | -3.2% | 38.1% |
| 10 | Timberline Bank | Grand Junction, CO | $287 | $47.4 | $16.6 | $133 | +9.2% | 44.1% |
| 11 | Yampa Valley Bank | Steamboat Springs, CO | $286 | $131 | $19.7 | $65.9 | +6.4% | 53.2% |
| 12 | Bankers’ Bank of the West | Denver, CO | $219 | $67.0 | $0.0 | $35.4 | +4.0% | 65.1% |
| 13 | High Plains Bank | Flagler, CO | $217 | $35.6 | $15.1 | $104 | +24.5% | 46.9% |
| 14 | High Country Bank | Salida, CO | $200 | $60.0 | $0.0 | $89.3 | +2.0% | 44.9% |
| 15 | The Eastern Colorado Bank | Cheyenne Wells, CO | $198 | $33.3 | $13.9 | $43.8 | -17.5% | 43.6% |
| 16 | AMG National Trust Bank | Boulder, CO | $193 | $26.2 | $32.7 | $18.6 | +7.7% | 70.1% |
| 17 | 5Star Bank | Colorado Springs, CO | $191 | $24.2 | $26.6 | $45.7 | -12.4% | 63.1% |
| 18 | Points West Community Bank | Windsor, CO | $179 | $49.0 | $6.5 | $52.5 | +3.8% | 38.2% |
| 19 | First Southwest Bank | Durango, CO | $170 | $35.9 | $9.2 | $44.2 | +8.8% | 49.7% |
| 20 | Integrity Bank & Trust | Monument, CO | $167 | $51.5 | $3.1 | $81.4 | +0.2% | 47.8% |
| 21 | The Colorado Bank and Trust Company of La Junta | La Junta, CO | $165 | $14.9 | $16.5 | $97.8 | +40.3% | 61.4% |
| 22 | Stockmens Bank | Colorado Springs, CO | $157 | $35.2 | $11.4 | $88.0 | +17.6% | 28.3% |
| 23 | North Valley Bank | Thornton, CO | $143 | $14.9 | $13.6 | $55.5 | -6.7% | 60.9% |
| 24 | Mountain Valley Bank | Walden, CO | $141 | $30.4 | $0.5 | $56.6 | +0.6% | 34.2% |
| 25 | Verus Bank of Commerce | Fort Collins, CO | $139 | $10.0 | $1.7 | $21.2 | +10.7% | 78.9% |
Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record. Table shows the top 25 of 62 banks headquartered in Colorado.
NBH Bank leads the table with $4.1 billion in CRE loans and +31.9% year over year growth. Bank of Colorado follows with $3.1 billion, including $1.8 billion in investor nonfarm nonresidential loans, while Alpine Bank reports $2.1 billion and $558.4 million in owner occupied loans. Portfolio mix varies materially. Colorado Federal Savings Bank reports $321.3 million in construction and land loans within a $483.0 million CRE book, while Verus Bank of Commerce reports $106.4 million in investor nonfarm nonresidential loans within a $139.3 million total. Growth also differs, from +40.3% at The Colorado Bank and Trust Company of La Junta to -17.5% at The Eastern Colorado Bank. Concentration ranges from a 1.01x investor CRE to equity ratio at Stockmens Bank to 3.78x at Yampa Valley Bank. These figures describe reported portfolios, not individual credit decisions.
Out of state banks with branches in Colorado
| Bank | Headquarters state | Branches in Colorado | Deposits in Colorado ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| Wells Fargo Bank, N.A. | South Dakota | 117 | $34,223 | $121,623 |
| JPMorgan Chase Bank, N.A. | Ohio | 107 | $23,784 | $179,847 |
| PNC Bank, N.A. | Delaware | 121 | $20,874 | $47,133 |
| U.S. Bank, N.A. | Ohio | 102 | $19,628 | $50,718 |
| UMB Bank, N.A. | Missouri | 25 | $5,540 | $15,713 |
| Bank of America, N.A. | North Carolina | 36 | $5,398 | $79,906 |
| KeyBank, N.A. | Ohio | 56 | $4,893 | $17,153 |
| First National Bank of Omaha | Nebraska | 22 | $3,881 | $6,021 |
| BMO Bank, N.A. | Illinois | 68 | $3,861 | $28,802 |
| BOKF, N.A. | Oklahoma | 14 | $3,523 | $11,334 |
| SouthState Bank, N.A. | Florida | 31 | $3,490 | $28,266 |
| Zions Bancorporation, N.A. | Utah | 33 | $3,416 | $23,684 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Colorado only; CRE loans are bank wide.
Use portfolio size, mix and growth to focus a bank search
Total CRE loans provide a practical first screen for appetite and potential hold capacity. A larger reported book indicates that commercial property lending is a meaningful part of the institution’s balance sheet, although it does not confirm capacity for a particular request. Borrowers can begin with NBH Bank at $4.1 billion, Bank of Colorado at $3.1 billion and Alpine Bank at $2.1 billion, then compare institutions lower in the ranking when local relationships, property type or transaction size point elsewhere.
The category columns help refine that initial screen. Borrowers seeking construction financing can look for meaningful construction and land balances, while owners of operating properties can examine owner occupied balances. Year over year change shows which banks are adding or reducing CRE loans at the reporting date. CRE share of total loans and investor CRE to equity provide context for concentration, which can signal that a bank may be selective. A productive search compares several banks and treats the reported figures as conversation starters rather than approval criteria.
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Tell Us About Your DealHow BestCRE Capital WorksLoan mix and concentration identify reported areas of activity
The largest portfolios show distinct mixes. NBH Bank reports $1.9 billion in investor nonfarm nonresidential loans and $1.2 billion in owner occupied loans. Bank of Colorado reports $1.8 billion in investor nonfarm nonresidential loans and $557.1 million in owner occupied loans. Alpine Bank has $866.6 million in investor nonfarm nonresidential loans, $558.4 million in owner occupied loans and $448.2 million in construction and land loans. Those balances indicate where each bank’s reported CRE exposure is concentrated, without describing current origination preferences.
Concentration measures add balance sheet context. PB&T Bank has CRE equal to 73.4% of total loans and an investor CRE to equity ratio of 3.41x. Verus Bank of Commerce has the table’s highest CRE share of loans at 78.9%, paired with a 3.13x investor CRE to equity ratio. AMG National Trust Bank reports a 70.1% CRE share and a lower 1.41x ratio. Ratios can be high or low relative to other banks in the table, but they do not reveal underwriting terms or whether a bank will pursue a specific transaction.
Colorado borrowers can compare local banks with other capital sources
The ranking covers banks headquartered in Colorado, but large banks based elsewhere also maintain substantial local operations. Wells Fargo Bank, N.A., headquartered in South Dakota, has 117 Colorado branches and $34.2 billion of deposits in the state. JPMorgan Chase Bank, N.A., headquartered in Ohio, has 107 branches and $23.8 billion of Colorado deposits. PNC Bank, N.A., headquartered in Delaware, has 121 branches and $20.9 billion of deposits in the state. Their reported CRE balances cover all states, so they should not be interpreted as Colorado loan totals.
Other out of state banks with Colorado branches include U.S. Bank, N.A., UMB Bank, N.A., Bank of America, N.A., KeyBank, N.A., First National Bank of Omaha, BMO Bank, N.A., BOKF, N.A., SouthState Bank, N.A. and Zions Bancorporation, N.A. Borrowers can also compare debt funds, life companies, CMBS, agency and SBA lenders, none of which appear in bank call reports. Comparing several sources matters because lender type, balance sheet position and local relationship can affect which transactions receive attention, even when reported portfolio balances look similar.
Frequently Asked Questions
Which Colorado bank has the largest commercial real estate loan portfolio?
NBH Bank ranks first among Colorado headquartered banks with $4.1 billion in total commercial real estate loans as of June 30, 2026. Its reported portfolio includes $698.3 million in construction and land loans, $299.8 million in multifamily loans, $1.2 billion in owner occupied loans and $1.9 billion in investor nonfarm nonresidential loans. CRE loans increased +31.9% year over year and represented 41.7% of total loans. Its national rank by total CRE loans was 120. These balances establish portfolio scale but do not indicate whether a particular property or borrower will qualify.
What data does BestCRE use for the Colorado bank ranking?
BestCRE uses FDIC Call Reports, formally known as Reports of Condition and Income, with commercial real estate categories drawn from schedule RC-C. The balances are as of June 30, 2026. The FDIC Summary of Deposits 2026 supplies branch and deposit information used to describe banks headquartered outside Colorado that operate in the state. Across all 4,167 banks, total reported CRE loans were $3.07 trillion. Call report balances are reported at the institution level, so a Colorado headquartered bank’s total may include loans on properties outside Colorado.
Which Colorado banks reported the fastest CRE loan growth?
The Colorado Bank and Trust Company of La Junta reported +40.3% year over year CRE growth, the highest rate shown in the ranked table. NBH Bank followed at +31.9%, while High Plains Bank reported +24.5% and Stockmens Bank reported +17.6%. Growth identifies institutions that increased reported CRE balances between reporting periods, but it does not explain the source of the change or establish future lending volume. Borrowers should consider growth alongside portfolio size, category mix and concentration rather than treating it as a commitment to originate new loans.
What interest rate benchmarks should Colorado CRE borrowers monitor?
Common reference points were the Prime rate at 7.00%, SOFR at 3.89%, the 5 year Treasury at 4.78%, the 10 year Treasury at 4.96% and Fed funds at 3.88% as of Oct 26, 2026. These are market benchmarks, not quoted loan rates from the ranked banks. The FDIC portfolio data does not disclose the pricing, spread, fees, amortization or other terms available for a new transaction. Borrowers must obtain current proposals directly from lenders and compare the complete economics of each financing option.
How much CRE lending is held by Colorado headquartered banks?
Colorado had 62 headquartered banks with $17.8 billion in commercial real estate loans as of June 30, 2026. Their combined CRE balance increased +10.9% year over year, and the top five banks held 62.5% of the total. The ranked table includes 25 banks representing $16.1 billion in CRE loans. These totals describe banks based in Colorado, not every institution lending against property in the state. Out of state banks with local branches and nonbank lenders also provide commercial real estate financing but sit outside the ranked population.
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BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.