Fowler, CO · Cert 12372
State charter, non-member · FDIC · 1 branch
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 | 1.52% | 1.38% | 0.96% | 1.74% | 1.73% | +22 bps | |
| Return on Equity | 11.56% | 10.44% | 7.34% | 13.51% | 13.36% | +181 bps | |
| Net Interest Margin | 3.31% | 3.29% | 3.43% | 3.74% | 3.79% | +48 bps | |
| Efficiency Ratio | 36.92% | 41.16% | 50.48% | 34.74% | 38.22% | +130 bps | |
| Non-Interest Burden | 1.02% | 1.16% | 1.56% | 1.07% | 1.23% | +22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.93% | 9.10% | 8.97% | 9.03% | 8.41% | +147 bps | |
| Loan Growth (YoY) | 25.20% | 23.35% | 22.41% | 23.77% | 21.21% | -400 bps | |
| Deposit Growth (YoY) | 6.93% | 10.98% | 13.98% | 10.61% | 8.03% | +110 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.18% | 3.92% | 2.49% | 3.12% | 3.46% | +28 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.65% | -0.02% | -0.09% | -12 bps | |
| Allowance / Loans | 1.91% | 2.08% | 1.81% | 1.86% | 1.95% | +4 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.7x | 0.6x | 0.6x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.29% | 13.51% | 13.00% | 13.09% | 13.23% | -7 bps | |
| Total Risk-Based Capital | 13.29% | 13.51% | 13.00% | 13.09% | 13.23% | -7 bps | |
| Equity / Assets | 13.23% | 13.44% | 12.74% | 12.98% | 13.21% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.50% | 76.11% | 81.59% | 85.14% | 89.19% | +970 bps | |
| Liquid Assets / Assets | 30.08% | 29.52% | 26.08% | 24.59% | 22.30% | -778 bps | |
| CRE / Total Capital | n/a | 117.84% | 118.06% | 108.95% | n/a | n/a | |