Ouray, CO · Cert 1779 · Csbo Holdings Inc. Esop
State charter, non-member · FDIC · 7 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.49% | 0.67% | 0.58% | 0.58% | +14 bps | |
| Return on Equity | 6.83% | 7.64% | 10.14% | 8.15% | 8.21% | +138 bps | |
| Net Interest Margin | 3.35% | 3.37% | 3.52% | 3.79% | 3.76% | +41 bps | |
| Efficiency Ratio | 84.83% | 83.60% | 83.88% | 83.36% | 83.11% | -172 bps | |
| Non-Interest Burden | 2.76% | 2.73% | 2.87% | 3.07% | 3.03% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.75% | 1.47% | 4.85% | 4.80% | 6.22% | +147 bps | |
| Loan Growth (YoY) | 7.93% | 6.26% | 2.28% | -1.25% | -2.88% | -1,081 bps | |
| Deposit Growth (YoY) | 7.03% | 0.14% | 3.99% | 4.28% | 5.67% | -137 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.06% | 0.01% | 0.04% | +4 bps | |
| Allowance / Loans | 0.98% | 0.99% | 0.98% | 0.99% | 0.98% | 0 bps | |
| Allowance Coverage of NPLs | 36.7x | 256.2x | 249.7x | 250.7x | 298.8x | +262.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.02% | 7.97% | 8.43% | 8.44% | 8.40% | +38 bps | |
| Total Risk-Based Capital | 12.17% | 13.08% | 12.82% | 13.67% | 12.97% | +80 bps | |
| Equity / Assets | 6.38% | 6.61% | 7.23% | 6.97% | 7.00% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.82% | 75.72% | 77.60% | 73.24% | 71.53% | -629 bps | |
| Liquid Assets / Assets | 6.77% | 9.27% | 8.71% | 14.05% | 14.58% | +781 bps | |
| CRE / Total Capital | n/a | 331% | 321% | 321% | n/a | n/a | |