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 | |