Lamar, CO · Cert 14730 · Whitcorp Financial Co.
State charter, non-member · FDIC · 1 affiliate bank · 8 branches (17 in holding)
Q2 2026
Market Position · Pueblo, CO · 2026 SOD (annual) · 1.6% share · #13 of 13 inst. · $0.0B 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 | 1.27% | 1.25% | 1.55% | 1.52% | 1.60% | 1.53% | 1.65% | 1.67% | +15 bps | |
| Return on Equity | 14.94% | 14.68% | 17.69% | 16.91% | 17.25% | 16.26% | 16.64% | 16.73% | -18 bps | |
| Net Interest Margin | 2.84% | 2.91% | 3.09% | 3.17% | 3.32% | 3.34% | 3.59% | 3.63% | +46 bps | |
| Efficiency Ratio | 51.81% | 53.27% | 45.52% | 48.24% | 47.24% | 48.53% | 42.73% | 44.14% | -410 bps | |
| Non-Interest Burden | 1.24% | 1.32% | 1.09% | 1.26% | 1.29% | 1.35% | 1.26% | 1.34% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.35% | 0.19% | -1.48% | -1.02% | 2.07% | 3.49% | 3.14% | 5.95% | +697 bps | |
| Loan Growth (YoY) | 5.19% | 2.92% | 3.50% | 1.48% | -0.62% | -0.75% | 4.68% | 8.12% | +664 bps | |
| Deposit Growth (YoY) | -7.21% | -0.17% | 4.15% | 3.97% | 7.36% | 1.83% | 1.43% | 5.53% | +156 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.22% | 0.23% | 0.01% | 0.01% | 0.01% | 0.20% | 0.32% | +31 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.01% | 0.01% | 0.00% | -0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 2.01% | 2.00% | 2.09% | 2.06% | 2.02% | 2.01% | 2.00% | 2.00% | -6 bps | |
| Allowance Coverage of NPLs | 133.4x | 9.1x | 9.1x | 159.4x | 173.2x | 190.0x | 10.2x | 6.2x | -153.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.71% | 10.85% | 10.88% | 10.90% | 11.12% | 10.83% | 10.85% | 10.78% | -12 bps | |
| Total Risk-Based Capital | 19.23% | 18.92% | 20.02% | 19.88% | 19.99% | 19.85% | 18.89% | 19.26% | -62 bps | |
| Equity / Assets | 9.42% | 8.60% | 8.96% | 9.43% | 10.01% | 10.11% | 9.78% | 10.01% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.90% | 53.56% | 50.20% | 52.57% | 52.67% | 52.20% | 51.81% | 53.87% | +129 bps | |
| Liquid Assets / Assets | 1.98% | 3.02% | 4.86% | 1.93% | 2.48% | 3.30% | 1.85% | 1.24% | -69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 82.37% | 90.41% | 98.85% | n/a | n/a | |