Alamosa, CO · Cert 13947 · Alamosa Bcorp Ltd.
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 | 1.72% | 1.75% | 1.64% | 1.82% | 1.88% | +15 bps | |
| Return on Equity | 15.67% | 15.74% | 14.54% | 14.88% | 15.35% | -32 bps | |
| Net Interest Margin | 3.64% | 3.61% | 3.58% | 3.78% | 3.85% | +21 bps | |
| Efficiency Ratio | 40.58% | 40.20% | 44.62% | 39.62% | 38.92% | -166 bps | |
| Non-Interest Burden | 1.37% | 1.34% | 1.50% | 1.39% | 1.38% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.40% | 0.81% | 0.65% | 0.71% | 0.99% | -41 bps | |
| Loan Growth (YoY) | 2.24% | 0.33% | -0.53% | 1.32% | 5.22% | +298 bps | |
| Deposit Growth (YoY) | -0.43% | -0.44% | -1.22% | -0.70% | -0.04% | +39 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 1.15% | 1.16% | 1.14% | 1.18% | 1.15% | +1 bps | |
| Allowance Coverage of NPLs | 162.4x | 281.6x | 87.2x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.14% | 12.02% | 11.96% | 12.67% | 12.85% | +71 bps | |
| Total Risk-Based Capital | 22.43% | 23.00% | 22.87% | 23.51% | 23.30% | +87 bps | |
| Equity / Assets | 11.33% | 11.50% | 11.97% | 12.49% | 12.21% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.05% | 56.09% | 59.20% | 61.05% | 60.05% | +300 bps | |
| Liquid Assets / Assets | 20.08% | 21.45% | 17.85% | 15.97% | 17.22% | -287 bps | |
| CRE / Total Capital | n/a | 112.83% | 111.54% | 111.24% | n/a | n/a | |