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State Bank, The

La Junta, CO · Cert 1778

FDIC · 5 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=815 to 821). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

93

Q2 2024Q4 2025peer median (50)

Asset Quality

43

Q2 2024Q4 2025peer median (50)

Profitability

81

Q2 2024Q4 2025peer median (50)

Liquidity

49

Q2 2024Q4 2025peer median

Efficiency

92

Q2 2024Q4 2025peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

State Bank, The

La Junta, CO · Cert 1778

FDIC · 5 branches

Q4 2025

$145.0MAssets
$74.2MLoans
$118.7MDeposits
$26.0MEquity
Loan mix
91%RE $54.0M6%C&I $3.4M3%Consumer $1.7MQ4 2024Q4 2025
Deposit mix
64%Interest-bearing $76.2M36%Noninterest $42.5MQ4 2024Q4 2025

NIM

4.93%Q4 ’235.25%Q4 ’244.69%Q4 ’25+1%-9%

Non-interest income vs. expense

2.52%Q4 ’232.77%Q4 ’242.43%Q4 ’25+13%-35%

Market Position · Colorado Springs, CO · 2025 SOD (annual) · 0.3% share · #36 of 41 inst. · $0.0B of $10.6B

14.0% Otero
0.3% El Paso

Executive Summary

  • Earnings: ROA of 2.25%, up 81 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.54% of loans (-44 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 18.14%, down 58 bps from a year ago.
  • Funding: loans stand at 62.54% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

2.25%+81 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-42 bps YoY

Efficiency Ratio (YTD, annualized)

48.66%-713 bps YoY

Tier 1 Leverage Ratio

18.14%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.44%1.28%1.36%1.40%2.25%+81 bps
Return on Equity8.66%7.20%7.77%8.12%12.97%+431 bps
Net Interest Margin4.45%4.23%4.18%4.14%4.03%-42 bps
Efficiency Ratio55.79%59.23%57.20%55.08%48.66%-713 bps
Non-Interest Burden2.26%2.30%2.19%2.05%1.47%-79 bps
Growth
Asset Growth (YoY)1.83%-2.00%4.74%14.73%14.80%+1,297 bps
Loan Growth (YoY)19.00%15.92%5.25%3.71%6.93%-1,206 bps
Deposit Growth (YoY)0.17%-4.57%3.30%15.69%14.50%+1,433 bps
Asset Quality
Nonperforming Loans / Loans0.99%0.95%1.42%0.57%0.54%-44 bps
Net Charge-Offs / Loans0.23%0.00%0.00%0.03%0.02%-21 bps
Allowance / Loans1.72%1.66%1.62%1.68%1.61%-11 bps
Allowance Coverage of NPLs1.7x1.7x1.1x3.0x3.0x+1.2x
Capital
Tier 1 Leverage Ratio18.72%19.58%18.27%17.75%18.14%-58 bps
Total Risk-Based Capital30.47%30.43%29.54%31.31%33.08%+260 bps
Equity / Assets17.73%17.75%17.06%16.32%17.92%+19 bps
Liquidity & Funding
Loans / Deposits66.97%67.52%65.39%57.59%62.54%-443 bps
Liquid Assets / Assets15.09%14.53%19.29%27.15%25.33%+1,024 bps
CRE / Total Capitaln/an/an/a64.48%63.99%n/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

State Bank, The

La Junta, CO · Cert 1778 · Peer group: banks under $1B in assets operating in a single state (n=815-821)

FDIC · 5 branches

Q4 2025

$145.0MAssets
$74.2MLoans
$118.7MDeposits
$26.0MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets operating in a single state (rank 503 of 821).
  • Widest gap: nonperforming loans / loans trails 57% of banks under $1B in assets operating in a single state (rank 466 of 815).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.13%

Rank 37 of 821

Net Interest Margin

4.03%

Rank 200 of 821

Efficiency Ratio

48.66%

Rank 68 of 821

Equity / Assets

17.92%

Rank 66 of 821

Non-interest income vs. expense

$1.4M$3.6MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 92% of banks under $1B in assets operating in a single state
Bank 48.66%Peer median 67.5%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.13%0.60%0.92%1.29%Beats 95%37 / 821
Return on Equity11.88%5.53%9.01%12.39%Beats 72%230 / 821
Net Interest Margin4.03%2.96%3.47%4.01%Beats 76%200 / 821
Efficiency Ratio48.66%58.51%67.52%77.71%Beats 92%68 / 821
Asset Quality
Nonperforming Loans / Loans0.54%0.07%0.39%1.09%Beats 43%466 / 815
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio31.82%11.57%13.96%18.25%Beats 94%48 / 821
Total Risk-Based Capital Ratio33.08%11.91%14.63%18.88%Beats 94%46 / 821
Equity / Assets17.92%8.73%10.33%12.96%Beats 92%66 / 821
Liquidity & Funding
Loans / Deposits62.54%61.85%77.93%91.10%26th pctl605 / 815
Loans / Assets51.21%53.55%66.75%76.60%20th pctl648 / 815
Brokered Deposits / Deposits0.00%n/an/a3.16%Beats 100%503 / 821