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
Unfavorable gap of $5.2M · efficiency ratio beats 84% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.02% | 0.72% | 1.07% | 1.45% | Beats 94% | 44 / 752 | |
| Return on Equity | 15.56% | 6.78% | 10.58% | 13.65% | Beats 86% | 107 / 752 | |
| Net Interest Margin | 4.88% | 3.18% | 3.69% | 4.17% | Beats 94% | 42 / 752 | |
| Efficiency Ratio | 51.06% | 55.75% | 64.49% | 75.47% | Beats 84% | 124 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.42% | 1.03% | Beats 78% | 162 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 63% | 282 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 13.86% | 11.55% | 13.75% | 17.60% | Beats 51% | 370 / 752 | |
| Total Risk-Based Capital Ratio | 13.86% | 11.70% | 14.33% | 18.47% | Beats 45% | 413 / 752 | |
| Equity / Assets | 12.95% | 8.93% | 10.56% | 13.13% | Beats 73% | 200 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 87.51% | 62.23% | 78.64% | 91.26% | 68th pctl | 237 / 752 | |
| Loans / Assets | 71.89% | 54.61% | 67.41% | 76.47% | 61st pctl | 293 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |