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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.53% | 1.95% | 1.68% | 2.18% | 1.93% | 1.86% | 1.75% | +7 bps | |
| Return on Equity | 14.81% | 13.21% | 16.49% | 14.11% | 18.22% | 15.66% | 16.65% | 16.86% | +276 bps | |
| Net Interest Margin | 4.38% | 4.40% | 4.67% | 5.01% | 5.16% | 5.14% | 4.41% | 5.06% | +5 bps | |
| Efficiency Ratio | 62.83% | 66.20% | 59.97% | 57.72% | 56.43% | 61.02% | 58.56% | 58.31% | +59 bps | |
| Non-Interest Burden | 2.28% | 2.45% | 2.17% | 2.35% | 2.38% | 2.68% | 2.19% | 2.59% | +24 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% | 0.09% | -0.12% | 0.00% | -0.01% | -0.01% | -0.01% | 0.00% | 0 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 | |