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Pikes Peak National Bank

Colorado Springs, CO · Cert 17782

National charter · OCC · 3 branches

Q2 2026

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: Q2 2026, the quarter ended June 30, 2026, 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=743 to 746). 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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

14

Q2 2024Q2 2026peer 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

Pikes Peak National Bank

Colorado Springs, CO · Cert 17782

National charter · OCC · 3 branches

Q2 2026

$110.8MAssets
$74.1MLoans
$93.1MDeposits
$17.0MEquity
Loan mix
93%RE $66.7M6%C&I $4.1M1%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $58.8M37%Noninterest $34.3MQ2 2025Q2 2026

NIM

5.04%Q2 ’245.33%Q2 ’255.56%Q2 ’26+11%+6%

Non-interest income vs. expense

4.26%Q2 ’243.85%Q2 ’253.83%Q2 ’26-20%+13%

Market Position · Colorado Springs, CO · 2026 SOD (annual) · 0.9% share · #26 of 41 inst. · $0.1B of $10.7B

Executive Summary

  • Earnings: ROA of 0.59%, down 14 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.56%, up 19 bps from a year ago.
  • Funding: loans stand at 79.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%-14 bps YoY

Net Interest Margin (YTD, annualized)

4.42%+26 bps YoY

Efficiency Ratio (YTD, annualized)

82.87%+239 bps YoY

Tier 1 Leverage Ratio

15.56%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.71%0.69%0.53%0.59%-14 bps
Return on Equity4.72%4.66%4.51%3.50%3.84%-88 bps
Net Interest Margin4.16%4.11%4.13%4.23%4.42%+26 bps
Efficiency Ratio80.48%80.20%80.61%84.12%82.87%+239 bps
Non-Interest Burden3.22%3.19%3.25%3.51%3.62%+41 bps
Growth
Asset Growth (YoY)5.29%10.18%7.93%6.63%3.80%-149 bps
Loan Growth (YoY)11.45%9.87%9.79%6.59%6.06%-539 bps
Deposit Growth (YoY)5.47%11.37%8.18%7.00%3.76%-171 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.59%1.59%1.60%1.58%1.55%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.37%15.00%15.03%15.54%15.56%+19 bps
Total Risk-Based Capital24.05%24.26%24.64%24.44%23.26%-79 bps
Equity / Assets15.25%14.84%15.27%15.22%15.31%+6 bps
Liquidity & Funding
Loans / Deposits77.89%75.01%76.51%77.16%79.61%+172 bps
Liquid Assets / Assets13.67%17.07%17.97%17.66%16.56%+289 bps
CRE / Total Capitaln/a370%363%370%n/an/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

Pikes Peak National Bank

Colorado Springs, CO · Cert 17782 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

National charter · OCC · 3 branches

Q2 2026

$110.8MAssets
$74.1MLoans
$93.1MDeposits
$17.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: return on equity trails 87% of banks under $1B in assets operating in a single state (rank 646 of 746).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.59%

Rank 615 of 746

Net Interest Margin

4.42%

Rank 116 of 746

Efficiency Ratio

82.87%

Rank 645 of 746

Equity / Assets

15.31%

Rank 89 of 746

Non-interest income vs. expense

$0.2M$4.2MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 14% of banks under $1B in assets operating in a single state
Bank 82.87%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.59%0.72%1.06%1.45%Beats 18%615 / 746
Return on Equity3.82%6.74%10.51%13.63%Beats 13%646 / 746
Net Interest Margin4.42%3.17%3.68%4.16%Beats 84%116 / 746
Efficiency Ratio82.87%55.74%64.58%75.47%Beats 14%645 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio22.01%11.55%13.75%17.60%Beats 87%98 / 746
Total Risk-Based Capital Ratio23.26%11.71%14.33%18.43%Beats 88%93 / 746
Equity / Assets15.31%8.90%10.51%13.06%Beats 88%89 / 746
Liquidity & Funding
Loans / Deposits79.61%61.31%78.27%90.78%52nd pctl355 / 746
Loans / Assets66.90%53.60%66.97%76.08%50th pctl375 / 746
Brokered Deposits / Depositsn/aNot reported for this institution