Cortez, CO · Cert 17872
National charter · OCC · 1 branch
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 | 1.15% | 1.20% | 1.18% | 0.06% | 0.60% | -54 bps | |
| Return on Equity | 12.58% | 13.01% | 12.63% | 0.69% | 6.49% | -609 bps | |
| Net Interest Margin | 3.61% | 3.57% | 3.64% | 3.54% | 3.55% | -6 bps | |
| Efficiency Ratio | 61.27% | 60.08% | 60.31% | 64.83% | 61.96% | +68 bps | |
| Non-Interest Burden | 2.07% | 2.00% | 2.05% | 2.13% | 2.04% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.23% | 5.58% | 7.83% | 9.15% | 2.88% | -535 bps | |
| Loan Growth (YoY) | 11.47% | 8.62% | 7.75% | 8.34% | 6.84% | -463 bps | |
| Deposit Growth (YoY) | 16.37% | 11.66% | 10.14% | 11.04% | 3.85% | -1,251 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.58% | 0.57% | 0.55% | 1.97% | 1.92% | +134 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 2.20% | 1.07% | +106 bps | |
| Allowance / Loans | 1.24% | 1.27% | 1.29% | 1.23% | 1.27% | +3 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.2x | 2.4x | 0.6x | 0.7x | -1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.19% | 10.12% | 10.55% | 9.89% | 9.98% | -21 bps | |
| Total Risk-Based Capital | 16.20% | 17.00% | 17.05% | 16.04% | 16.25% | +5 bps | |
| Equity / Assets | 8.98% | 9.37% | 9.79% | 8.97% | 9.20% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.46% | 72.16% | 74.08% | 72.80% | 74.54% | +208 bps | |
| Liquid Assets / Assets | 9.18% | 9.28% | 9.77% | 9.86% | 9.77% | +59 bps | |
| CRE / Total Capital | n/a | 279% | 275% | 278% | n/a | n/a | |