La Junta, CO · Cert 1778
FDIC · 5 branches
Q4 2025
Market Position · Colorado Springs, CO · 2025 SOD (annual) · 0.3% share · #36 of 41 inst. · $0.0B of $10.6B
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.44% | 1.28% | 1.36% | 1.40% | 2.25% | +81 bps | |
| Return on Equity | 8.66% | 7.20% | 7.77% | 8.12% | 12.97% | +431 bps | |
| Net Interest Margin | 4.45% | 4.23% | 4.18% | 4.14% | 4.03% | -42 bps | |
| Efficiency Ratio | 55.79% | 59.23% | 57.20% | 55.08% | 48.66% | -713 bps | |
| Non-Interest Burden | 2.26% | 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 / Loans | 0.99% | 0.95% | 1.42% | 0.57% | 0.54% | -44 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.00% | 0.00% | 0.03% | 0.02% | -21 bps | |
| Allowance / Loans | 1.72% | 1.66% | 1.62% | 1.68% | 1.61% | -11 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 1.1x | 3.0x | 3.0x | +1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.72% | 19.58% | 18.27% | 17.75% | 18.14% | -58 bps | |
| Total Risk-Based Capital | 30.47% | 30.43% | 29.54% | 31.31% | 33.08% | +260 bps | |
| Equity / Assets | 17.73% | 17.75% | 17.06% | 16.32% | 17.92% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.97% | 67.52% | 65.39% | 57.59% | 62.54% | -443 bps | |
| Liquid Assets / Assets | 15.09% | 14.53% | 19.29% | 27.15% | 25.33% | +1,024 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 64.48% | 63.99% | n/a | |