Colorado Springs, CO · Cert 17782
National charter · OCC · 3 branches
Q2 2026
Market Position · Colorado Springs, CO · 2026 SOD (annual) · 0.9% share · #26 of 41 inst. · $0.1B of $10.7B
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 | -0.10% | -0.01% | 0.74% | 0.73% | 0.71% | 0.69% | 0.53% | 0.59% | -14 bps | |
| Return on Equity | -0.65% | -0.06% | 4.81% | 4.72% | 4.66% | 4.51% | 3.50% | 3.84% | -88 bps | |
| Net Interest Margin | 3.76% | 3.80% | 4.07% | 4.16% | 4.11% | 4.13% | 4.23% | 4.42% | +26 bps | |
| Efficiency Ratio | 103.54% | 100.55% | 80.93% | 80.48% | 80.20% | 80.61% | 84.12% | 82.87% | +239 bps | |
| Non-Interest Burden | 3.88% | 3.81% | 3.08% | 3.22% | 3.19% | 3.25% | 3.51% | 3.62% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.69% | -8.04% | -0.78% | 5.29% | 10.18% | 7.93% | 6.63% | 3.80% | -149 bps | |
| Loan Growth (YoY) | 0.86% | -1.09% | 6.14% | 11.45% | 9.87% | 9.79% | 6.59% | 6.06% | -539 bps | |
| Deposit Growth (YoY) | -8.70% | -9.41% | -0.06% | 5.47% | 11.37% | 8.18% | 7.00% | 3.76% | -171 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.73% | 1.73% | 1.65% | 1.59% | 1.59% | 1.60% | 1.58% | 1.55% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.45% | 15.40% | 15.68% | 15.37% | 15.00% | 15.03% | 15.54% | 15.56% | +19 bps | |
| Total Risk-Based Capital | 24.07% | 24.38% | 24.62% | 24.05% | 24.26% | 24.64% | 24.44% | 23.26% | -79 bps | |
| Equity / Assets | 15.70% | 15.44% | 15.48% | 15.25% | 14.84% | 15.27% | 15.22% | 15.31% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.04% | 75.38% | 77.46% | 77.89% | 75.01% | 76.51% | 77.16% | 79.61% | +172 bps | |
| Liquid Assets / Assets | 13.18% | 14.34% | 13.39% | 13.67% | 17.07% | 17.97% | 17.66% | 16.56% | +289 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 370% | 363% | 370% | n/a | n/a | |