Calhan, CO · Cert 1780 · Pieper Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
48
Asset Quality
45
Profitability
40
Liquidity
33
Efficiency
40
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.
Calhan, CO · Cert 1780 · Pieper Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Colorado Springs, CO · 2026 SOD (annual) · 2.7% share · #8 of 41 inst. · $0.3B 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 | 0.58% | 0.60% | 0.65% | 0.66% | 0.71% | 0.72% | 0.80% | 0.83% | +18 bps | |
| Return on Equity | 11.94% | 11.97% | 11.68% | 11.87% | 12.54% | 12.44% | 12.92% | 13.35% | +148 bps | |
| Net Interest Margin | 2.43% | 2.49% | 2.65% | 2.65% | 2.71% | 2.74% | 2.89% | 2.94% | +29 bps | |
| Efficiency Ratio | 73.58% | 73.42% | 73.12% | 73.03% | 71.73% | 71.80% | 69.72% | 69.06% | -398 bps | |
| Non-Interest Burden | 1.67% | 1.70% | 1.83% | 1.83% | 1.83% | 1.85% | 1.87% | 1.87% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.49% | -3.69% | 1.96% | 2.90% | 5.06% | 6.91% | 2.21% | 0.76% | -214 bps | |
| Loan Growth (YoY) | -0.83% | 1.16% | 1.48% | 3.38% | 3.76% | 2.65% | 3.02% | 0.81% | -257 bps | |
| Deposit Growth (YoY) | 3.30% | -0.03% | 5.04% | 3.53% | 3.21% | 5.09% | 1.62% | 1.13% | -241 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.53% | 0.35% | 0.11% | 0.47% | 0.35% | 0.41% | 0.41% | +30 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.02% | 0.03% | 0.03% | 0.02% | 0.03% | +1 bps | |
| Allowance / Loans | 0.87% | 0.85% | 0.85% | 0.83% | 0.81% | 0.80% | 0.81% | 0.80% | -2 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 2.4x | 7.3x | 1.7x | 2.3x | 2.0x | 2.0x | -5.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.04% | 9.26% | 9.26% | 8.92% | 8.96% | 8.99% | 9.06% | 9.21% | +28 bps | |
| Total Risk-Based Capital | 17.63% | 16.47% | 17.42% | 17.14% | 16.77% | 17.36% | 16.77% | 17.25% | +11 bps | |
| Equity / Assets | 5.50% | 5.36% | 5.68% | 5.51% | 6.02% | 6.16% | 6.18% | 6.34% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.62% | 58.58% | 55.83% | 57.11% | 57.94% | 57.22% | 56.60% | 56.93% | -18 bps | |
| Liquid Assets / Assets | 29.51% | 28.02% | 25.79% | 25.44% | 24.98% | 24.75% | 24.16% | 23.88% | -156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 214% | 215% | 210% | n/a | n/a | |
Calhan, CO · Cert 1780 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Pieper Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.83%
Rank 499 of 746
Net Interest Margin
2.94%
Rank 629 of 746
Efficiency Ratio
69.06%
Rank 451 of 746
Equity / Assets
6.34%
Rank 722 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.83% | 0.72% | 1.06% | 1.45% | Beats 33% | 499 / 746 | ||
| Return on Equity | 13.15% | 6.74% | 10.51% | 13.63% | Beats 71% | 218 / 746 | ||
| Net Interest Margin | 2.94% | 3.17% | 3.68% | 4.16% | Beats 16% | 629 / 746 | ||
| Efficiency Ratio | 69.06% | 55.74% | 64.58% | 75.47% | Beats 40% | 451 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.09% | 0.42% | 1.07% | Beats 51% | 366 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 38% | 462 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.58% | 11.55% | 13.75% | 17.60% | Beats 70% | 222 / 746 | ||
| Total Risk-Based Capital Ratio | 17.25% | 11.71% | 14.33% | 18.43% | Beats 70% | 223 / 746 | ||
| Equity / Assets | 6.34% | 8.90% | 10.51% | 13.06% | Beats 3% | 722 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.93% | 61.31% | 78.27% | 90.78% | 20th pctl | 600 / 746 | ||
| Loans / Assets | 45.98% | 53.60% | 66.97% | 76.08% | 15th pctl | 632 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||