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Letter portraitLegal landscapeQuarterYTD

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