Gunnison Bank and Trust Company, The
Gunnison, CO · Cert 11259 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 95% of banks under $1B in assets operating in a single state (rank 40 of 746).
- Widest gap: total risk-based capital ratio trails 55% of banks under $1B in assets operating in a single state (rank 409 of 746).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.02%
Rank 40 of 746
Net Interest Margin
4.88%
Rank 40 of 746
Efficiency Ratio
51.06%
Rank 122 of 746
Equity / Assets
12.95%
Rank 193 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.02% | 0.72% | 1.06% | 1.45% | Beats 95% | 40 / 746 | | |
| Return on Equity | 15.56% | 6.74% | 10.51% | 13.63% | Beats 86% | 106 / 746 | | |
| Net Interest Margin | 4.88% | 3.17% | 3.68% | 4.16% | Beats 95% | 40 / 746 | | |
| Efficiency Ratio | 51.06% | 55.74% | 64.58% | 75.47% | Beats 84% | 122 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.42% | 1.07% | Beats 78% | 162 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 62% | 285 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.86% | 11.55% | 13.75% | 17.60% | Beats 51% | 367 / 746 | | |
| Total Risk-Based Capital Ratio | 13.86% | 11.71% | 14.33% | 18.43% | Beats 45% | 409 / 746 | | |
| Equity / Assets | 12.95% | 8.90% | 10.51% | 13.06% | Beats 74% | 193 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.51% | 61.31% | 78.27% | 90.78% | 69th pctl | 229 / 746 | | |
| Loans / Assets | 71.89% | 53.60% | 66.97% | 76.08% | 62nd pctl | 282 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |