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Colorado Bank and Trust Company of La Junta, The

La Junta, CO · Cert 1141 · Grinnell Bancshares Inc.

State charter, Fed member · FED · 5 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=743 to 746). 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

27

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

43

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 2026-10-11

Colorado Bank and Trust Company of La Junta, The

La Junta, CO · Cert 1141 · Grinnell Bancshares Inc.

State charter, Fed member · FED · 1 affiliate bank · 5 branches (9 in holding)

Q2 2026

$330.3MAssets
$268.5MLoans
$280.4MDeposits
$36.9MEquity
Loan mix
88%RE $196.2M10%C&I $23.0M1%Consumer $2.8MQ3 2024Q2 2026
Deposit mix
66%Interest-bearing $184.4M34%Noninterest $96.0MQ3 2024Q2 2026

Market Position · Pueblo, CO · 2026 SOD (annual) · 5.5% share · #7 of 13 inst. · $0.1B of $2.2B

5.5% Pueblo
16.1% Otero
8.8% Prowers
1.8% Chaffee

Executive Summary

  • Earnings: ROA of 1.23%, down 41 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 0.30% of loans (+12 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 10.33%, down 217 bps from a year ago.
  • Funding: loans stand at 95.74% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.23%-41 bps YoY

Net Interest Margin (YTD, annualized)

4.87%+13 bps YoY

Efficiency Ratio (YTD, annualized)

67.69%+469 bps YoY

Tier 1 Leverage Ratio

10.33%-217 bps YoY

NIM

6.37%Q2 ’246.44%Q2 ’256.30%Q2 ’26-12%+3%

Non-interest income vs. expense

3.76%Q2 ’243.52%Q2 ’253.75%Q2 ’26+1%+15%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%1.56%1.57%1.63%1.65%1.60%1.00%1.23%-41 bps
Return on Equity10.61%10.18%11.63%12.17%12.35%12.40%9.02%11.00%-117 bps
Net Interest Margin5.03%4.95%4.67%4.74%4.80%4.44%4.82%4.87%+13 bps
Efficiency Ratio63.36%63.47%62.40%62.99%62.51%62.57%70.59%67.69%+469 bps
Non-Interest Burden2.75%2.74%2.54%2.63%2.64%2.45%3.15%3.03%+40 bps
Growth
Asset Growth (YoY)19.58%26.56%29.85%23.68%16.72%30.22%31.19%26.96%+329 bps
Loan Growth (YoY)24.40%28.10%34.72%26.70%20.79%27.82%37.56%47.44%+2,074 bps
Deposit Growth (YoY)15.38%24.79%28.91%28.97%19.57%35.57%36.93%31.72%+275 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.02%0.17%0.19%0.17%0.18%0.20%0.30%+12 bps
Net Charge-Offs / Loans0.22%0.12%-0.03%-0.02%-0.04%0.00%0.19%0.09%+10 bps
Allowance / Loans1.14%1.17%1.20%1.20%1.18%1.01%0.98%0.94%-26 bps
Allowance Coverage of NPLs6.3x56.5x7.2x6.5x6.8x5.6x4.9x3.1x-3.3x
Capital
Tier 1 Leverage Ratio13.82%13.55%12.44%12.49%12.61%11.07%10.41%10.33%-217 bps
Total Risk-Based Capital13.82%13.55%12.44%12.49%12.61%11.07%10.41%10.33%-217 bps
Equity / Assets14.49%13.72%13.33%13.25%13.19%11.40%10.88%11.17%-208 bps
Liquidity & Funding
Loans / Deposits87.15%90.44%86.27%85.54%88.04%85.27%86.66%95.74%+1,021 bps
Liquid Assets / Assets6.14%3.61%7.68%8.53%4.98%6.93%7.02%1.45%-708 bps
CRE / Total Capitaln/an/an/an/a386%408%456%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 2026-10-11

Colorado Bank and Trust Company of La Junta, The

La Junta, CO · Cert 1141 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Grinnell Bancshares Inc.

State charter, Fed member · FED · 1 affiliate bank · 5 branches (9 in holding)

Q2 2026

$330.3MAssets
$268.5MLoans
$280.4MDeposits
$36.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of banks under $1B in assets operating in a single state (rank 42 of 746).
  • Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets operating in a single state (rank 664 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.21%

Rank 292 of 746

Net Interest Margin

4.87%

Rank 42 of 746

Efficiency Ratio

67.69%

Rank 429 of 746

Equity / Assets

11.17%

Rank 308 of 746

Non-interest income vs. expense

$2.4M$12.4MINCOMEEXPENSE
Unfavorable gap of $10.0M · efficiency ratio beats 43% of banks under $1B in assets operating in a single state
Bank 67.69%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.21%0.72%1.06%1.45%Beats 61%292 / 746
Return on Equity10.85%6.74%10.51%13.63%Beats 53%347 / 746
Net Interest Margin4.87%3.17%3.68%4.16%Beats 94%42 / 746
Efficiency Ratio67.69%55.74%64.58%75.47%Beats 43%429 / 746
Asset Quality
Nonperforming Loans / Loans0.30%0.09%0.42%1.07%Beats 59%304 / 743
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 25%560 / 743
Capital
Tier 1 Capital Ratio10.33%11.55%13.75%17.60%Beats 12%656 / 746
Total Risk-Based Capital Ratio10.33%11.71%14.33%18.43%Beats 11%664 / 746
Equity / Assets11.17%8.90%10.51%13.06%Beats 59%308 / 746
Liquidity & Funding
Loans / Deposits95.74%61.31%78.27%90.78%85th pctl109 / 746
Loans / Assets81.27%53.60%66.97%76.08%88th pctl89 / 746
Brokered Deposits / Depositsn/aNot reported for this institution