Gunnison, CO · Cert 11259 · Lindoe Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.96% | 2.09% | 1.87% | 1.99% | 2.05% | +9 bps | |
| Return on Equity | 15.87% | 16.94% | 15.15% | 15.54% | 15.96% | +9 bps | |
| Net Interest Margin | 4.69% | 4.50% | 4.48% | 4.70% | 4.88% | +19 bps | |
| Efficiency Ratio | 52.46% | 50.05% | 54.92% | 51.77% | 51.06% | -140 bps | |
| Non-Interest Burden | 2.08% | 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 / Loans | 0.05% | 0.05% | 0.06% | 0.05% | 0.05% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.18% | 1.23% | 1.25% | 1.20% | 1.15% | -3 bps | |
| Allowance Coverage of NPLs | 23.5x | 23.9x | 19.7x | 24.4x | 25.1x | +1.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.62% | 12.98% | 12.82% | 13.38% | 13.86% | +24 bps | |
| Total Risk-Based Capital | 13.62% | 12.98% | 12.82% | 13.38% | 13.86% | +24 bps | |
| Equity / Assets | 12.38% | 12.27% | 12.60% | 13.00% | 12.95% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.21% | 78.40% | 79.66% | 85.46% | 87.51% | +230 bps | |
| Liquid Assets / Assets | 0.78% | 0.60% | 0.57% | 0.62% | 0.56% | -22 bps | |
| CRE / Total Capital | n/a | 251% | 259% | 273% | n/a | n/a | |