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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 · 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 $2.8MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $184.4M34%Noninterest $96.0MQ2 2025Q2 2026

NIM

6.57%Q2 ’246.58%Q2 ’256.58%Q2 ’26-10%+4%

Non-interest income vs. expense

3.80%Q2 ’243.65%Q2 ’253.75%Q2 ’26+4%+9%

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 1.43%, down 26 bps year over year; NIM at 5.08%.
  • Asset quality: problem loans at 0.30% of loans (+12 bps YoY), with net charge-offs at 0.00%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.43%-26 bps YoY

Net Interest Margin (quarter, annualized)

5.08%+19 bps YoY

Efficiency Ratio (quarter, annualized)

65.01%+146 bps YoY

Tier 1 Leverage Ratio

10.33%-217 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.68%1.54%1.00%1.43%-26 bps
Return on Equity12.71%12.70%12.57%9.02%12.98%+27 bps
Net Interest Margin4.90%5.05%5.01%4.82%5.08%+19 bps
Efficiency Ratio63.55%61.60%62.74%70.59%65.01%+146 bps
Non-Interest Burden2.76%2.74%2.81%3.15%3.02%+26 bps
Growth
Asset Growth (YoY)23.68%16.72%30.22%31.19%26.96%+329 bps
Loan Growth (YoY)26.70%20.79%27.82%37.56%47.44%+2,074 bps
Deposit Growth (YoY)28.97%19.57%35.57%36.93%31.72%+275 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.17%0.18%0.20%0.30%+12 bps
Net Charge-Offs / Loans-0.01%-0.08%0.09%0.19%0.00%+1 bps
Allowance / Loans1.20%1.18%1.01%0.98%0.94%-26 bps
Allowance Coverage of NPLs6.5x6.8x5.6x4.9x3.1x-3.3x
Capital
Tier 1 Leverage Ratio12.49%12.61%11.07%10.41%10.33%-217 bps
Total Risk-Based Capital12.49%12.61%11.07%10.41%10.33%-217 bps
Equity / Assets13.25%13.19%11.40%10.88%11.17%-208 bps
Liquidity & Funding
Loans / Deposits85.54%88.04%85.27%86.66%95.74%+1,021 bps
Liquid Assets / Assets8.53%4.98%6.93%7.02%1.45%-708 bps
CRE / Total Capitaln/a386%408%456%n/an/a