Pueblo, CO · Cert 12594 · Pueblo Bcorp
State charter, non-member · FDIC · 17 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
45
Asset Quality
52
Profitability
90
Liquidity
68
Efficiency
63
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.
Pueblo, CO · Cert 12594 · Pueblo Bcorp
State charter, non-member · FDIC · 17 branches
Q2 2026
Market Position · Pueblo, CO · 2026 SOD (annual) · 16.3% share · #3 of 13 inst. · $0.4B of $2.2B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 1.71% | 1.95% | 1.81% | 1.94% | 1.95% | 1.86% | 1.84% | +3 bps | |
| Return on Equity | 16.27% | 15.55% | 16.49% | 15.30% | 16.27% | 16.17% | 16.65% | 16.76% | +146 bps | |
| Net Interest Margin | 4.29% | 4.36% | 4.67% | 4.77% | 4.79% | 4.85% | 4.41% | 4.76% | -2 bps | |
| Efficiency Ratio | 61.47% | 62.64% | 59.97% | 58.82% | 57.99% | 58.77% | 58.56% | 58.42% | -40 bps | |
| Non-Interest Burden | 2.06% | 2.18% | 2.17% | 2.23% | 2.23% | 2.33% | 2.19% | 2.40% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.16% | -1.32% | -0.26% | 4.44% | 7.25% | 7.51% | 33.38% | 25.91% | +2,147 bps | |
| Loan Growth (YoY) | -7.20% | -2.22% | 7.16% | 18.21% | 27.62% | 20.64% | 29.66% | 18.92% | +71 bps | |
| Deposit Growth (YoY) | -3.52% | -0.51% | 2.36% | 4.02% | 5.69% | 3.40% | 33.27% | 32.63% | +2,861 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.00% | 0.03% | 0.20% | 0.20% | 0.60% | 0.54% | +52 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | -0.12% | -0.06% | -0.04% | -0.03% | -0.01% | 0.00% | +5 bps | |
| Allowance / Loans | 1.47% | 1.41% | 1.33% | 1.34% | 1.27% | 1.31% | 1.20% | 1.25% | -8 bps | |
| Allowance Coverage of NPLs | 63.5x | n/a | n/a | 52.8x | 6.5x | 6.5x | 2.0x | 2.3x | -50.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.75% | 12.13% | 12.56% | 12.39% | 12.42% | 12.60% | 10.26% | 10.64% | -175 bps | |
| Total Risk-Based Capital | 16.85% | 16.77% | 16.36% | 15.56% | 15.20% | 15.82% | 13.44% | 13.87% | -169 bps | |
| Equity / Assets | 11.51% | 11.68% | 11.95% | 11.90% | 12.07% | 12.53% | 10.12% | 10.67% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.53% | 80.72% | 85.98% | 94.96% | 96.03% | 94.18% | 83.65% | 85.15% | -981 bps | |
| Liquid Assets / Assets | 13.99% | 12.40% | 10.61% | 7.41% | 7.74% | 7.98% | 14.20% | 11.14% | +373 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 524% | 505% | 543% | n/a | n/a | |
Pueblo, CO · Cert 12594 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Pueblo Bcorp
State charter, non-member · FDIC · 17 branches
Q2 2026
Return on Assets
1.75%
Rank 99 of 746
Net Interest Margin
4.76%
Rank 54 of 746
Efficiency Ratio
59.71%
Rank 278 of 746
Equity / Assets
10.67%
Rank 351 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.75% | 0.72% | 1.06% | 1.45% | Beats 87% | 99 / 746 | ||
| Return on Equity | 16.39% | 6.74% | 10.51% | 13.63% | Beats 89% | 81 / 746 | ||
| Net Interest Margin | 4.76% | 3.17% | 3.68% | 4.16% | Beats 93% | 54 / 746 | ||
| Efficiency Ratio | 59.71% | 55.74% | 64.58% | 75.47% | Beats 63% | 278 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.42% | 1.07% | Beats 44% | 416 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 59% | 306 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.67% | 11.55% | 13.75% | 17.60% | Beats 38% | 466 / 746 | ||
| Total Risk-Based Capital Ratio | 13.87% | 11.71% | 14.33% | 18.43% | Beats 45% | 407 / 746 | ||
| Equity / Assets | 10.67% | 8.90% | 10.51% | 13.06% | Beats 53% | 351 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.15% | 61.31% | 78.27% | 90.78% | 65th pctl | 263 / 746 | ||
| Loans / Assets | 74.96% | 53.60% | 66.97% | 76.08% | 71st pctl | 216 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||