Lakewood, CO · Cert 18714
State charter, Fed member · 95 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=138 to 141). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
68
Profitability
33
Liquidity
23
Efficiency
6
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.
Lakewood, CO · Cert 18714
State charter, Fed member · 95 branches
Q1 2026
Market Position · Denver-Aurora-Centennial, CO · 2025 SOD (annual) · 14.5% share · #3 of 67 inst. · $15.7B of $108.3B
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.91% | 0.99% | 1.34% | 1.26% | 1.21% | 1.20% | 0.79% | -55 bps | |
| Return on Equity | 16.28% | 16.86% | 18.12% | 22.75% | 20.88% | 19.54% | 18.89% | 6.86% | -1,589 bps | |
| Net Interest Margin | 2.23% | 2.27% | 2.30% | 2.49% | 2.54% | 2.59% | 2.61% | 3.72% | +123 bps | |
| Efficiency Ratio | 57.76% | 56.79% | 55.57% | 46.29% | 47.77% | 49.41% | 50.25% | 63.99% | +1,771 bps | |
| Non-Interest Burden | 1.10% | 1.09% | 1.07% | 0.63% | 0.82% | 0.94% | 0.99% | 2.49% | +186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.87% | -3.03% | -3.11% | -1.55% | -2.11% | -2.60% | -2.81% | 8.31% | +985 bps | |
| Loan Growth (YoY) | -0.60% | -0.54% | -0.62% | -2.73% | -3.21% | -0.93% | -0.83% | -3.13% | -40 bps | |
| Deposit Growth (YoY) | -0.97% | -1.93% | -1.48% | -3.24% | -2.81% | -3.00% | -4.01% | -2.79% | +45 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.21% | 0.26% | 0.43% | 0.66% | 0.54% | 0.55% | 0.72% | +29 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.04% | 0.03% | 0.03% | 0.03% | 0.05% | 0.05% | +2 bps | |
| Allowance / Loans | 0.98% | 0.97% | 0.95% | 1.00% | 1.05% | 1.07% | 1.05% | 1.56% | +56 bps | |
| Allowance Coverage of NPLs | 8.9x | 4.6x | 3.6x | 2.3x | 1.6x | 2.0x | 1.9x | 2.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.33% | 8.47% | 8.55% | 8.63% | 8.74% | 8.99% | 9.15% | 6.49% | -213 bps | |
| Total Risk-Based Capital | 15.94% | 16.14% | 16.41% | 16.75% | 16.86% | 17.00% | 17.28% | 11.37% | -539 bps | |
| Equity / Assets | 5.39% | 5.90% | 5.70% | 6.10% | 6.34% | 6.71% | 7.02% | 15.52% | +942 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.11% | 67.88% | 67.64% | 67.06% | 67.83% | 69.34% | 69.88% | 66.82% | -24 bps | |
| Liquid Assets / Assets | 13.28% | 13.36% | 13.34% | 13.70% | 12.92% | 12.26% | 13.63% | 22.39% | +869 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 272% | 269% | 392% | n/a | |
Lakewood, CO · Cert 18714 · Peer group: banks over $10B in assets (n=138-141)
State charter, Fed member · 95 branches
Q1 2026
Return on Assets
0.75%
Rank 119 of 139
Net Interest Margin
3.72%
Rank 29 of 139
Efficiency Ratio
76.93%
Rank 132 of 139
Equity / Assets
15.52%
Rank 7 of 139
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | 0.93% | 1.21% | 1.46% | Beats 14% | 119 / 139 | ||
| Return on Equity | 4.83% | 8.26% | 10.74% | 13.78% | Beats 6% | 131 / 139 | ||
| Net Interest Margin | 3.72% | 2.78% | 3.31% | 3.67% | Beats 79% | 29 / 139 | ||
| Efficiency Ratio | 76.93% | 49.29% | 56.47% | 63.46% | Beats 6% | 132 / 139 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.72% | 0.44% | 0.75% | 1.05% | Beats 53% | 66 / 139 | ||
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.06% | 0.11% | Beats 82% | 27 / 138 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.15% | 12.06% | 13.03% | 15.08% | Beats 5% | 132 / 139 | ||
| Total Risk-Based Capital Ratio | 11.37% | 13.38% | 14.32% | 16.35% | Beats 0% | 139 / 139 | ||
| Equity / Assets | 15.52% | 9.59% | 11.32% | 12.96% | Beats 95% | 7 / 139 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.82% | 73.83% | 83.64% | 90.57% | 15th pctl | 120 / 141 | ||
| Loans / Assets | 52.73% | 58.93% | 68.90% | 74.95% | 14th pctl | 121 / 141 | ||
| Brokered Deposits / Deposits | 0.00% | 0.14% | 3.58% | 8.26% | Beats 100% | 24 / 139 | ||