Community Banks of Colorado

What Community Banks of Colorado does

Community Banks of Colorado is a division of NBH Bank, a subsidiary of National Bank Holdings Corporation (NYSE: NBHC), operating as a full-service community bank headquartered in Greenwood Village, Colorado, with 1,001-5,000 employees. The bank provides personal, business, and private banking products to consumers, small-to-medium businesses, middle-market companies, and high-net-worth individuals primarily across Colorado, supported by the NBH Bank parent network spanning eight states (Colorado, Utah, Idaho, Texas, New Mexico, Kansas, Missouri, Wyoming).

Product offerings span personal checking (Advantage Checking at 4.33% APY, Everyday Checking, Student Banking), savings products (Smarter Savings, Select Money Market, CDs with 9–42 month terms), HSAs, Coverdell ESAs, mortgages (Conventional, FHA, VA, Jumbo, ARM, Construction), home equity loans/lines, and a comprehensive Visa debit/credit card suite including an exclusive metal Reserve Rewards+ card for private clients. Business banking includes five tiers of business checking, SBA loans with Preferred Lender designation, middle-market commercial lending, and seven specialty banking verticals (Food & Agribusiness, Healthcare, Government & Nonprofit, Restaurant & Franchise, Equipment & Transportation, Practice Management, Capital Finance & ABL), plus treasury solutions and merchant services. Premier & Private Client Services offers concierge banking with dedicated Private Bankers.

The technology stack is a standard third-party digital banking platform with iOS and Android mobile apps (cobnks Mobile Banking), online account opening, mobile check deposit, Zelle P2P payments, Apple/Google/Samsung Pay, Visa Checkout, bill pay, and 128-bit encryption with biometric authentication. Revenue is generated primarily through net interest income from lending (mortgages, HELOCs, commercial, SBA), deposit spread on checking/savings/CDs (including a 4.33% APY high-yield checking product), transaction fees (overdraft $35/item, monthly service charges), treasury management fees, merchant services, and wealth management referrals through Bank of Jackson Hole Trust. Distribution occurs via physical banking centers across Colorado, online self-service account opening, mobile apps, and relationship-driven direct sales through dedicated mortgage bankers and private bankers.

Name

Community Banks of Colorado

Legal name

NBH Bank

Website

https://cobnks.com

Company type

Public

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Community Banks of Colorado, a division of NBH Bank (NYSE: NBHC), provides personal, business, mortgage, and private banking services to consumers, SMBs, middle-market firms, and high-net-worth clients across Colorado via physical branches, digital platforms, and specialty industry verticals.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Community banking services
• Small business lending
• Mortgage and home equity
• Commercial treasury management
• Private wealth banking

Headquarters

HQ city

Greenwood Village

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including mortgages, home equity loans, auto loans, construction loans, business loans, and credit cards. The bank offers competitive deposit rates including high-yield checking (4.33% APY on Advantage Checking).
2. Account and Service Fees: Monthly service charges on checking accounts (Advantage Checking $10/month, Everyday Checking $8/month), overdraft fees ($35 per item), paper statement fees ($3 per cycle), and wire transfer fees. Fee avoidance through balance or deposit requirements.
3. Treasury Management Services: Business banking services including treasury solutions, merchant services, cash conversion cycle management, and fraud prevention services.
4. Certificate of Deposit Investments: CD products with terms from 91 days to 42 months, offering stability and compound interest for depositors.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Community Banks of Colorado, a division of NBH Bank (a subsidiary of National Bank Holdings Corporation, NYSE: NBHC), provides retail and commercial banking products and services to consumers, small businesses, middle-market companies, and high-net-worth individuals. Core offerings include checking, savings, money market and CD accounts, mortgages and home equity lending, business and SBA loans, treasury management, merchant services, private banking, and trust and wealth management.

Product overview

Community Banks of Colorado operates as a division of NBH Bank (Member FDIC, NMLS 465954), offering a comprehensive banking platform with personal, business, and private banking products. The personal banking suite includes Advantage Checking (high-yield earning up to 4.33% APY), Everyday Checking, Student Banking, Smarter Savings, Select Money Market, and Certificates of Deposit (9-42 month terms), complemented by Health Savings Accounts and Coverdell ESA for education savings. Digital banking capabilities encompass Online & Mobile Banking with Zelle, Digital Wallets (Apple Pay, Google Pay, Samsung Pay), Bill Pay, and Visa Checkout integration. The business banking division provides tiered checking options (Small Business Checking through Business Premium Checking), SBA Loans with Preferred Lender designation, Middle Market Banking (Commercial & Industrial Loans, Equipment Loans, Business Acquisition), Specialty Banking across seven industry verticals, Treasury Solutions (Collections, Disbursements, Fraud Prevention, Funds Management), and Merchant Services. Mortgage offerings span Conventional, FHA, VA, Jumbo, First-time Homebuyer, and Adjustable Rate products, plus Construction Financing, Home Equity products, and the Blueprint for Homeownership education program. The Premier & Private Client Services program provides elevated banking with dedicated Private Bankers, preferred rates, and exclusive credit cards. Trust & Wealth Management services are delivered through Bank of Jackson Hole Trust affiliate.

Differentiator

Problem solved

Functional benefit

Brands

• Premier and Private Client Services: Elevated banking experience with concierge-level service for high-net-worth clients, including preferred rates, rate discounts, and exclusive metal credit cards.
• Blueprint for Homeownership

Products and services

• Advantage Checking High-yield personal checking account earning up to 4.33% APY on balances up to $35,000, with online statements, $1,000 minimum daily balance, and 20+ debit card purchases per cycle requirements.
• Everyday Checking Basic personal checking account designed for online and mobile banking customers, with no minimum balance requirement and fee waiver options.
• Student Banking Everyday Checking account for students 25 and under with no monthly service fee, online and mobile banking access, and mobile check deposit.
• Smarter Savings Tiered interest savings account with unlimited withdrawals or transfers, $25 minimum to open, and multiple fee waiver options.
• Select Money Market Interest-earning money market account with $20,000 minimum to open, check-writing and debit card access, and $15 monthly service charge waivable with balance thresholds.
• Certificates of Deposit Fixed-term CDs with $500 minimum balance and terms ranging from 91 days to 42 months, offering compound interest yearly or at maturity.
• Health Savings Accounts Tax-advantaged savings account for consumers with high-deductible health plans featuring triple tax benefit on contributions, earnings, and qualified medical distributions.
• Visa Debit Card Visa debit card accepted at over 35 million merchants globally, with chip technology, mobile wallet compatibility, and zero liability protection.
• Community Banks Reserve Rewards+ Card Exclusive metal credit card offering rewards for private banking clients, issued through Elan Financial Services with 24/7 cardmember service.
• Online and Mobile Banking Digital banking platform providing 24/7 account access, mobile check deposit, transfers, bill pay, card controls, Zelle, and account alerts via iOS and Android apps.
• Zelle Person-to-Person Payments Integrated peer-to-peer payment service enabling fast money transfers between bank accounts within minutes, available across participating financial institutions.
• Mortgage Loans Suite of mortgage products including Conventional, FHA, VA, Jumbo, Adjustable Rate, First-time Homebuyer, and Home Equity loans and lines of credit.
• Construction Loans Construction financing for primary or secondary residences, with competitive rates for build phases and potential conversion to permanent financing.
• Overdraft Protection Overdraft Privilege service covering checks, ACH, recurring debit card payments, and bill pay, plus linked-account automatic transfer protection plans.
• Small Business Checking Basic business checking account with essential banking features and straightforward fee structure for small businesses.
• Business Checking Standard business checking account with comprehensive features for moderate transaction volumes, available across Small Business, Business, Performance, and Premium tiers.
• SBA Loans SBA financing with Preferred Lender designation offering 7(a) and 7(b) loan programs for small businesses that do not fit conventional loan criteria.
• Middle Market Banking Commercial banking services for middle-market companies including Commercial and Industrial Loans, Term Loans, Equipment Loans, Business Acquisition financing, Working Capital lines, and Commercial Real Estate financing.
• Specialty Banking Industry-specific banking solutions for Capital Finance and ABL, Food and Agribusiness, Government and Nonprofit, Healthcare, Practice Management, Restaurant and Franchise, and Equipment and Transportation sectors.
• Treasury Solutions Treasury management services including Collections, Disbursements, Fraud Prevention, Funds Management, and a Treasury Resource Center for optimizing cash flow.
• Merchant Services Payment processing solutions enabling businesses to accept card payments from customers.
• Premier and Private Client Services Elevated banking experience for high-net-worth clients with a dedicated Private Banker, concierge-level service, preferred rates, and exclusive premium credit card access.
• Trust and Wealth Management Wealth management and trust services including Trust and Estate Planning, Wealth Management, and Trust and Estate Administration delivered through Bank of Jackson Hole Trust.
• Blueprint for Homeownership Financial education program focused on access to lending in underserved communities, offering homebuyer education tools, a free $75 course, and a $1,200 closing cost discount.

Quantifiable outcome

• Up to 4.33% APY on Advantage Checking balances up to $35,000
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

14 partnerships are on record, tiered core and minor.

• NBH BankcoreOthersCommunity Banks of Colorado is a division of NBH Bank, which is a subsidiary of National Bank Holdings Corporation (NYSE: NBHC). This is the parent company relationship that provides the institutional backing and resources for Community Banks of Colorado operations.
• Small Business Administration (SBA)coreStrategic or Co-development PartnerCommunity Banks of Colorado holds the SBA Preferred Lender designation, the highest designation awarded by the Small Business Administration. This designation enables faster, more streamlined SBA loan processing for small business customers compared to non-preferred lenders.
• VisacoreTechnology or IntegrationCommunity Banks of Colorado issues Visa-branded debit and credit cards, accepted at over 35 million merchants globally. Integration includes Visa Zero Liability protection, Visa Checkout for online purchases, and contactless Visa payments.
• Elan Financial ServicescoreTechnology or IntegrationElan Financial Services is the creditor and issuer of Community Banks of Colorado credit cards, providing backend processing, cardmember services available 24/7/365, and zero fraud liability protection for unauthorized transactions.
• Early Warning Services / ZellecoreTechnology or IntegrationZelle is integrated into the Community Banks of Colorado mobile app, enabling fast person-to-person payments to over 100 million enrolled users. Zelle transactions occur within minutes between enrolled users with no fees.
• ApplecoreTechnology or IntegrationApple Pay integration allows customers to add their Community Banks of Colorado debit cards to Apple Wallet for contactless in-store and in-app payments using Face ID or Touch ID authentication.
• GooglecoreTechnology or IntegrationGoogle Pay integration enables customers to add Community Banks of Colorado debit cards to Google Wallet for NFC payments at retailers and online. Card numbers are not transmitted during transactions for enhanced security.
• SamsungcoreTechnology or IntegrationSamsung Pay integration allows Community Banks of Colorado debit card holders to make payments at millions of locations using supported Samsung devices with fingerprint authentication and Samsung Rewards points.
• Habitat for Humanity Metro DenverminorOthersCommunity Banks of Colorado supports Habitat for Humanity of Metro Denver through charitable contributions and employee volunteer participation in build days, supporting affordable housing initiatives.
• Pikes Peak United WayminorOthersCommunity Banks of Colorado provides support to Pikes Peak United Way, contributing to community welfare programs in the Colorado Springs region.
• Do More Charity ChallengeminorOthersCommunity Banks of Colorado sponsors the Do More Charity Challenge, an athletic fundraising event that has raised over $1.8 million for local charities and non-profits strengthening communities.
• Titan 100minorOthersCommunity Banks of Colorado sponsors Titan 100, a recognition program for top business leaders in Colorado, demonstrating commitment to the regional business community.
• Bank of Jackson Hole TrustminorStrategic or Co-development PartnerTrust and Wealth Services for Private Client customers are provided through Bank of Jackson Hole Trust, an affiliate offering trust, estate planning, and wealth management services.
• USDA Rural DevelopmentminorStrategic or Co-development PartnerCommunity Banks of Colorado offers USDA Rural Housing loans through the Blueprint for Homeownership program, enabling eligible buyers to purchase homes with no money down in rural and ex-urban areas.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Heartland Financial USA (HTLF): Community bank holding operating multiple chartered bank brands across multiple states; structurally similar to NBH Bank with comparable community-bank-division model and SBA / treasury offerings.
• Elevations Credit Union: Boulder, Colorado-based member-owned credit union providing consumer, mortgage, and business banking; competes directly with CBC in Colorado's northern Front Range counties.
• Glacier Bancorp, Inc. Multi-state community bank holding company operating bank divisions across the Western U.S.; structurally analogous to NBHC's division-based model with similar community banking, SBA, and treasury strategies.
• Sunflower Bank, N.A. FirstSun Capital Markets' community bank offering consumer, business, mortgage, and wealth services across Western U.S. states; comparable community banking proposition with shared Mountain West geography.
• ENT Credit Union: Colorado Springs-based member-owned credit union serving Colorado Front Range with checking, mortgage, business banking, and wealth management; comparable footprint and product mix to CBC's core Colorado market.
• Bellco Credit Union: Colorado-based member-owned cooperative offering similar consumer deposit, lending, mortgage, and business banking products; competes head-on with CBC in Denver metro for retail and SMB share.
• Pinnacle Financial Partners: Regional commercial bank focused on small/mid-market business banking, treasury, and SBA lending; comparable middle-market and specialty banking strategy even though geographically concentrated in the Southeast.
• Alpine Banks of Colorado: Employee-owned Colorado community bank with personal, business, and wealth banking services across Western Colorado; directly comparable as a Colorado-chartered community bank with multi-channel distribution.
• FirstBank (Lakewood, CO): Colorado-headquartered community bank offering consumer, business, and mortgage banking across the Front Range with comparable SBA, treasury, and digital banking capabilities; the most direct same-market competitor.

Broad incumbents

• Bank of the West (BNP Paribas): Large regional commercial bank with full retail, commercial, SBA, and wealth offerings across the Western U.S.; serves as a broader incumbent competitor with deeper resources but less localized community focus than CBC.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/cobnks
• Facebookfacebook.com/cobnks

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Community Banks of Colorado