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Gunnison Bank and Trust Company, The

Gunnison, CO · Cert 11259 · Lindoe Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=748 to 752). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

91

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

84

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Gunnison Bank and Trust Company, The

Gunnison, CO · Cert 11259 · Lindoe Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$255.4MAssets
$183.6MLoans
$209.8MDeposits
$33.1MEquity
Loan mix
97%RE $168.4M2%C&I $3.5M1%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
53%Interest-bearing $111.5M47%Noninterest $98.3MQ2 2025Q2 2026

NIM

5.37%Q2 ’245.58%Q2 ’255.81%Q2 ’26+7%+4%

Non-interest income vs. expense

2.67%Q2 ’242.88%Q2 ’252.89%Q2 ’26+10%+2%

Executive Summary

  • Earnings: ROA of 2.05%, up 9 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 0.05% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.86%, up 24 bps from a year ago.
  • Funding: loans stand at 87.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.05%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.88%+19 bps YoY

Efficiency Ratio (YTD, annualized)

51.06%-140 bps YoY

Tier 1 Leverage Ratio

13.86%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.96%2.09%1.87%1.99%2.05%+9 bps
Return on Equity15.87%16.94%15.15%15.54%15.96%+9 bps
Net Interest Margin4.69%4.50%4.48%4.70%4.88%+19 bps
Efficiency Ratio52.46%50.05%54.92%51.77%51.06%-140 bps
Non-Interest Burden2.08%1.87%2.12%2.08%2.11%+4 bps
Growth
Asset Growth (YoY)0.45%1.83%8.20%6.23%6.16%+570 bps
Loan Growth (YoY)7.15%2.59%9.22%6.55%8.77%+162 bps
Deposit Growth (YoY)4.41%6.24%5.37%3.49%5.91%+150 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.05%0.06%0.05%0.05%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0 bps
Allowance / Loans1.18%1.23%1.25%1.20%1.15%-3 bps
Allowance Coverage of NPLs23.5x23.9x19.7x24.4x25.1x+1.6x
Capital
Tier 1 Leverage Ratio13.62%12.98%12.82%13.38%13.86%+24 bps
Total Risk-Based Capital13.62%12.98%12.82%13.38%13.86%+24 bps
Equity / Assets12.38%12.27%12.60%13.00%12.95%+57 bps
Liquidity & Funding
Loans / Deposits85.21%78.40%79.66%85.46%87.51%+230 bps
Liquid Assets / Assets0.78%0.60%0.57%0.62%0.56%-22 bps
CRE / Total Capitaln/a251%259%273%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Gunnison Bank and Trust Company, The

Gunnison, CO · Cert 11259 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Lindoe Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$255.4MAssets
$183.6MLoans
$209.8MDeposits
$33.1MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 94% of banks under $1B in assets operating in a single state (rank 44 of 752).
  • Widest gap: total risk-based capital ratio trails 55% of banks under $1B in assets operating in a single state (rank 413 of 752).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.02%

Rank 44 of 752

Net Interest Margin

4.88%

Rank 42 of 752

Efficiency Ratio

51.06%

Rank 124 of 752

Equity / Assets

12.95%

Rank 200 of 752

Non-interest income vs. expense

$1.9M$7.1MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 84% of banks under $1B in assets operating in a single state
Bank 51.06%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.02%0.72%1.07%1.45%Beats 94%44 / 752
Return on Equity15.56%6.78%10.58%13.65%Beats 86%107 / 752
Net Interest Margin4.88%3.18%3.69%4.17%Beats 94%42 / 752
Efficiency Ratio51.06%55.75%64.49%75.47%Beats 84%124 / 752
Asset Quality
Nonperforming Loans / Loans0.05%0.09%0.42%1.03%Beats 78%162 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 63%282 / 748
Capital
Tier 1 Capital Ratio13.86%11.55%13.75%17.60%Beats 51%370 / 752
Total Risk-Based Capital Ratio13.86%11.70%14.33%18.47%Beats 45%413 / 752
Equity / Assets12.95%8.93%10.56%13.13%Beats 73%200 / 752
Liquidity & Funding
Loans / Deposits87.51%62.23%78.64%91.26%68th pctl237 / 752
Loans / Assets71.89%54.61%67.41%76.47%61st pctl293 / 752
Brokered Deposits / Depositsn/aNot reported for this institution