Bank of Colorado
Bank of Colorado is a community bank and Pinnacle Bancorp subsidiary operating 44 branches across Colorado, serving individual consumers, small-to-mid-sized businesses, and agricultural producers with full-service personal, commercial, agricultural, and treasury management banking, plus Raymond James-partnered investment services.
- Company typePrivate
- Founded1900
- HeadquartersFort Collins, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Bank of Colorado does
Bank of Colorado is a Colorado-focused community bank and wholly owned subsidiary of Pinnacle Bancorp, Inc., operating under a charter first issued in Fort Lupton, Colorado in 1900. The bank serves individual consumers, small-to-mid-sized businesses, and agricultural producers across Colorado through a 44-branch network spanning the Eastern Plains, Front Range, Western Slope, and Four Corners Region. Headcount sits in the 251-500 range, and the bank is FDIC-insured and state-chartered.
The product platform is a full-service community banking suite. Personal banking includes free and interest-bearing checking accounts (Growth Account, Diamond Secure Account, Interest Checking, Relationship Checking), savings, money market, certificates of deposit, mortgages and construction loans, home equity products, auto loans, a Visa credit card, overdraft protection (Ready Reserve), HSA and HSA investment accounts, and IRAs. Business banking spans business checking tiers (Business Analysis, Growth, Relationship), commercial lending, agricultural lending (equipment, operating, real estate, livestock), business credit cards, and an extensive treasury management stack (ACH origination, merchant payment solutions, Positive Pay, Remote Deposit Capture, Lockbox, wire transfers, Insured Cash Sweep, ZEscrow, ZRent, Employee+, Business Premium, Card Valet). Wealth management and securities are delivered through a core channel partnership with Raymond James Financial Services, with advisors embedded in branches. Supporting technology is standard commercial banking infrastructure — online banking, a mobile banking app, online bill pay, Zelle, Apple Pay, and Visa debit — with no disclosed AI/ML, proprietary models, or public APIs.
The revenue model combines net interest income from loans (mortgages, commercial, agricultural, consumer, credit cards) and securities, non-interest income from deposit fees, treasury management services, and transaction-based charges, and revenue sharing from the Raymond James investment services referral arrangement. Distribution is overwhelmingly direct-to-consumer via the 44-branch relationship-banking model, supported by digital self-service channels and community-based marketing. The bank's strategic posture is steady inorganic-and-organic expansion within Colorado: three disclosed acquisitions between 2013 and 2017 (New West Bank, Montrose Bank, AmFirst Banks), ongoing senior lending hires through 2025-2026, a new regional president role created in August 2025, and a treasury management sales extension into Arizona and New Mexico.
Bank of Colorado firmographics
Firmographics- Name
- Bank of Colorado
- Legal name
- Pinnacle Bank
- Website
- https://bankofcolorado.com
- Company type
- Private
- Founded year
- 1900
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Bank of Colorado is a community bank and Pinnacle Bancorp subsidiary operating 44 branches across Colorado, serving individual consumers, small-to-mid-sized businesses, and agricultural producers with full-service personal, commercial, agricultural, and treasury management banking, plus Raymond James-partnered investment services.
- Ownership category
- akta.pro rank
Bank of Colorado industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Credit Cards & Revolving Credit (FSABAAAC)
Keywords
Where Bank of Colorado is headquartered
LocationHeadquarters
- HQ city
- Fort Collins
- HQ country
- United States
- HQ region
- North America
Offices14 records
Markets served
Bank of Colorado business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Primary revenue from interest charged on loans including mortgages, commercial loans, agricultural loans, consumer loans, and credit cards. Interest earned on investment securities and other interest-earning assets.
- Non-Interest Income: Fee income from deposit account maintenance, transaction fees, wire transfers, treasury management services, and other banking service charges.
- Investment Services Revenue Sharing: Revenue generated through referral arrangements with Raymond James Financial Services for investment products and advisory services offered through Bank of Colorado Investment Services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free Checking (Growth Account) - No minimum balance, no monthly fees |
| Freemium | Monthly | Diamond Secure Account - Free Visa Debit Card, no minimum balance |
| Subscription | Monthly | Relationship Checking - Savings growth with relationship pricing |
| Subscription | Monthly | Business Checking Accounts - Various tiers available |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Bank of Colorado product offering
Product offeringCore offering
Bank of Colorado is a community bank offering a unified, comprehensive banking platform with personal and business banking products. Personal banking includes checking, savings, mortgages, auto loans, credit cards, and investment/retirement services. Business banking includes business checking, commercial lending, agricultural lending, and treasury management services. The bank operates 44 branch locations across Colorado complemented by online and mobile banking channels.
Product overview
Bank of Colorado is a community bank offering a unified, comprehensive banking platform with personal and business banking products. The personal banking suite includes checking accounts (Growth Account, Diamond Secure Account, Interest Checking, Relationship Account), savings products (Savings Account, Money Market, CDs), credit products (Visa Credit Card, Home Loans, Construction Loans, Home Equity products, Auto Loans, Ready Reserve), and investment/retirement services (HSA, IRA, Investment Services through Raymond James). The business banking suite includes business checking (Business Analysis, Growth, Relationship Accounts), business savings and CDs, commercial lending, agricultural lending (Equipment, Operating, Real Estate, Livestock), treasury management services (ACH Origination, Merchant Payment Solutions, Positive Pay, Remote Deposit Capture, Lockbox, Wire Transfers, Insured Sweep, ZEscrow, ZRent, Employee+), and mobile/online banking access. The bank also provides Mobile and Online Banking as self-service channels, plus EnFact fraud alerts. Products are offered as standalone offerings with the treasury management and investment services modules extending the core banking platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Growth Account
Companies that use Bank of Colorado
Customer profileSegments3 records
Ideal customer profiles3 records
Bank of Colorado technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Bank of Colorado partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Raymond James Financial Services, Inc.coreBank of Colorado offers investment services and securities through Raymond James Financial Services, Inc. Financial advisors operate from bank branches and provide investment management, retirement planning, and other securities services to Bank of Colorado customers. The partnership allows the bank to offer a broader range of wealth management services while Raymond James gains distribution through the bank's 44 Colorado locations.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Bank of Colorado competitors and assessment
Company assessmentBroad incumbents
- U.S. Bancorp: Large regional bank with significant Colorado retail and commercial banking presence. Competes for the same deposit and small business customers across the Front Range, but as part of a much broader national portfolio rather than as a Colorado specialist.
- Wells Fargo: Major national bank with substantial Colorado branch presence competing directly for consumer deposits, mortgages, and small business lending. Overlaps with Bank of Colorado's offerings as part of a much wider portfolio.
- Zions Bancorporation: Regional bank holding company operating community banking brands across multiple Western states. Comparable in holding-company-with-multiple-affiliate-banks structure to Pinnacle Bancorp, but at substantially greater scale and geographic breadth.
Direct peers
- Pinnacle Financial Partners: Nashville-based community bank holding company with a similar relationship-driven, multi-state expansion model. Comparable in business philosophy and acquisition-led growth approach to Pinnacle Bancorp's strategy with Bank of Colorado.
- Glacier Bancorp: Multi-state community bank holding company that grows through acquiring and operating community bank subsidiaries across the Mountain West. Directly comparable in holding-company structure, decentralized community banking model, and acquisition cadence.
- FirstBank (Colorado): Lakewood, Colorado-headquartered community bank with a similar Colorado branch footprint, consumer and small business banking focus, and long-standing local presence. Directly competes for the same relationship-banking customers.
- Heartland Financial USA (HTLF): Regional bank holding company operating community banks across multiple states with a comparable mix of personal, business, and agricultural lending. Similar holding-company structure and acquisition-led expansion to Pinnacle Bancorp.
- Independent Bank Group: Texas-based community bank holding company with a similar profile of operating community bank subsidiaries through decentralized market-level leadership. Comparable in scale, branch count, and product breadth.
- Adams Bank and Trust: Colorado community bank with comparable agricultural and small business lending emphasis across the Eastern Plains; directly comparable in customer segments and product depth, and is actively competing for the same commercial lenders.
- Alpine Bank: Colorado-based community bank with a comparable branch-led, relationship-banking model serving consumers and small businesses across the state. Closest direct competitor to Bank of Colorado in footprint and product mix.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Bank of Colorado social profiles
Digital presenceBank of Colorado compliance and trust
Trust signalCompliance4 records
Bank of Colorado financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bank of Colorado leadership team
Management profileNumber of profiles
Profiles18 records
Bank of Colorado funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bank of Colorado M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bank of Colorado
What does Bank of Colorado do?
Bank of Colorado is a community bank offering a unified, comprehensive banking platform with personal and business banking products. Personal banking includes checking, savings, mortgages, auto loans, credit cards, and investment/retirement services. Business banking includes business checking, commercial lending, agricultural lending, and treasury management services. The bank operates 44 branch locations across Colorado complemented by online and mobile banking channels.
Is Bank of Colorado a public or private company?
Bank of Colorado is a private company. It is classified as corporate owned and is currently operating.
When was Bank of Colorado founded?
Bank of Colorado was founded in 1900. It employs 251 to 500 people.
Where is Bank of Colorado based?
Bank of Colorado is headquartered in Fort Collins, United States, in the North America region.
How does Bank of Colorado make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are non-Interest Income and investment Services Revenue Sharing.
Who are Bank of Colorado's main competitors?
Broad incumbents on record are U.S. Bancorp, Wells Fargo and Zions Bancorporation. Direct peers are Pinnacle Financial Partners, Glacier Bancorp, FirstBank (Colorado), Heartland Financial USA (HTLF), Independent Bank Group, Adams Bank and Trust and Alpine Bank.
Does Bank of Colorado have an API?
No public API is recorded for Bank of Colorado.
What industry is Bank of Colorado in?
Bank of Colorado's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines). Its NAICS code is 52211 and its SIC code is 6022.