Which Colorado banks have the most non-performing consumer loans?

1. CITIZENS STATE BANK OF OURAY, THE (CO) — 5.22% NPL; 2. CITIZENS STATE BANK OF OURAY, THE (CO) — 2.75% NPL; 3. FIRST FARMBANK (CO) — 1.54% NPL; 4. FIRST FARMBANK (CO) — 1.54% NPL; 5. DOLORES STATE BANK, THE (CO) — 1.30% NPL

Colorado Consumer Loans | Bank Loan Trends

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Colorado Consumer Loans

Q2 2025CO Banks

Analyzing consumer loans loan performance across 118 Colorado banks

As of Q2 2025, 118 Colorado banks report consumer loans portfolios totaling $347.5M. Non-performing loans in this category total $1.2M — an average NPL ratio of 0.35% — with $3.5M 30-89 days delinquent, $884K 90+ days delinquent, and $334K in nonaccrual status. The most distressed lender in this category is CITIZENS STATE BANK OF OURAY, THE (CO) with an NPL ratio of 5.22%.

Total Lenders

118

Total Loan Portfolio

$347.5M

Total NPL

$1.2M

Average NPL %

0.35%

30-89 Days

$3.5M

90+ Days

$884K

Nonaccrual

$334K

Charge-offs

$3.4M

Distribution of banks by non-performing loan ratio

Bank Name	State	Portfolio	NPL	NPL %
CITIZENS STATE BANK OF OURAY, THE	CO	$134K	$7K	5.22%
CITIZENS STATE BANK OF OURAY, THE	CO	$255K	$7K	2.75%
FIRST FARMBANK	CO	$974K	$15K	1.54%
FIRST FARMBANK	CO	$974K	$15K	1.54%
DOLORES STATE BANK, THE	CO	$10.7M	$139K	1.30%
DOLORES STATE BANK, THE	CO	$10.7M	$139K	1.30%
FOWLER STATE BANK	CO	$244K	$3K	1.23%
FOWLER STATE BANK	CO	$244K	$3K	1.23%

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Colorado Consumer Loans

Delinquency Breakdown

Banks by NPL Ratio

Top Distressed Banks - Consumer Loans in Colorado

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