PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $1.3MQ3 2024Q2 2026
Deposit mix
53%Interest-bearing $111.5M47%Noninterest $98.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.98%1.80%1.85%1.96%2.09%1.87%1.99%2.05%+9 bps
Return on Equity18.18%16.12%15.06%15.87%16.94%15.15%15.54%15.96%+9 bps
Net Interest Margin4.34%4.47%4.65%4.69%4.50%4.48%4.70%4.88%+19 bps
Efficiency Ratio50.84%55.74%54.46%52.46%50.05%54.92%51.77%51.06%-140 bps
Non-Interest Burden1.83%2.15%2.18%2.08%1.87%2.12%2.08%2.11%+4 bps
Growth
Asset Growth (YoY)6.77%0.38%-3.46%0.45%1.83%8.20%6.23%6.16%+570 bps
Loan Growth (YoY)14.16%3.09%9.47%7.15%2.59%9.22%6.55%8.77%+162 bps
Deposit Growth (YoY)4.89%6.92%4.05%4.41%6.24%5.37%3.49%5.91%+150 bps
Asset Quality
Nonperforming Loans / Loans1.72%0.00%0.00%0.05%0.05%0.06%0.05%0.05%0 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.00%0.00%0.00%0.01%0.00%0 bps
Allowance / Loans1.19%1.30%1.21%1.18%1.23%1.25%1.20%1.15%-3 bps
Allowance Coverage of NPLs0.7xn/an/a23.5x23.9x19.7x24.4x25.1x+1.6x
Capital
Tier 1 Leverage Ratio11.81%12.41%13.39%13.62%12.98%12.82%13.38%13.86%+24 bps
Total Risk-Based Capital11.81%12.41%13.39%13.62%12.98%12.82%13.38%13.86%+24 bps
Equity / Assets11.10%12.17%12.44%12.38%12.27%12.60%13.00%12.95%+57 bps
Liquidity & Funding
Loans / Deposits81.19%76.85%83.00%85.21%78.40%79.66%85.46%87.51%+230 bps
Liquid Assets / Assets1.38%1.51%1.27%0.78%0.60%0.57%0.62%0.56%-22 bps
CRE / Total Capitaln/an/an/an/a251%259%273%n/an/a